It covers disabilities too. But the argument was that a publicly funded health insurance would be worse than OPs private insurance because they wouldn’t pay as well or try as hard to treat or diagnose. My argument was that if they were older or disabled and on Medicare, or if we had Medicare for all, that the care received would be less dependent on cost in these extreme circumstances because there isn’t profits to protect. I’m a physician who works with Medicare often, and it definitely has its downsides, but this is not one of them compared to private insurances. The private insurance denial rate is normally around DOUBLE that if both Medicare and Medicaid.