Ableism is so ingrained in our society that folks have trouble even recognizing it. OP is absolutely experiencing ableism, being dismissed and treated differently because of their health issues, recognized and intentional or not, is ableism.
Your example is a very legal perspective of ableism that barely scratches the surface of ableism and makes it difficult to address wider impacts. This is a similar thinking to racism only being legal segregation and the KKK, when it shows up in everyday life in far broader ways.