It's not separate from the reality that they have to decide what kind of ex. treatment they are going to support for how many etc.
That seems more a theoretical or ideological objection. Yes there may be some outlying cases where people can't their treatment paid for and have to resort to going private, but the vast majority of citizens in countries with state healthcare enjoy free and effective healthcare for their entire lives.
However when you switch to a for-profit healthcare then the interests of the operators stop being aligned with those of the population. Even if there is more money, like in the US where the budget per person is about double that of France, it is not necessarily spent in a way that benefits the patients. State-run health avoids multiple administrative costs due to multiple actors, it avoids having to pay dividends to share holders, and as a single payer it has much more power over the pharmaceutical industry to lower costs. Overall it is a more efficient use of people's money.