I have been able to locate a few messages here and there about heal rotations so it appears they used to work because I didn't find anyone complaining about this particular issue.  There must be a way to turn the 95% threshold off, or have it ignored. 
 
I tested a Shaman bot and it did the same thing. 
 
 
Also, not that it matters but I tried all the stances and it didn't fix the problem.  One notable thing I noticed was if you change the Cleric to stance "passive" he will no longer cast buffs on himself or anyone else in the party, but he still heals at 95% or less. 
		
	
		
		
		
		
		
		
		
		
		
	
		
		
	
	
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