You are conflating two things here and not seeing a slightly bigger picture. The first is that you have important, urgent work to do and have taken some personal time out of the office to go to the doctor recently. From my point of view that is a good reason to go into work on a day off or work late on a few days to make sure everything is completed and signed off in a timely fashion. That way you make up the time and complete what is required.
The second thing is that you are overthinking a comment that was only meant to give you information and not imply anything. When your manager states that she is working from home if you need her for anything she isn't implying that you should be at work that day or that you could or would need her. All she is doing is saying where she will be. She probably didn't even consider whether you were working that day or not when she said it because she just wanted you to know where she is. In comments you say:
"The implication is, she will be available if I need her. Why would I need her if I'm not there? I have to be there to need her."
I don't think that that implication follows at all. I worked with someone who had a serious accident whilst on a day off (I was with him at the time as it was actually after work the evening before his day off) and our manager was working from home the next day. This meant that in spite of his not working he needed our manager to report that he wouldn't be in the following week thanks to the injury. There are countless other reasons why you might need your manager's location information even if you aren't working.
Following on from this she may not even have realized that you weren't going to be in the office at all. I had a boss who would say "see you tomorrow" when he left most Fridays. He didn't expect me to work on Saturday he just didn't always remember what day it was. My typical response was "you can come in if you like but I don't work Saturdays" and it was laughed off.
My third point is really why I'm writing this answer. You should never feel obligated to work on a day off. Ever. It actually hurts your productivity and the company in general if you don't get enough rest and sufficient down time. You need to make up any hours that you missed, and complete urgent tasks, obviously but that should not be to the detriment of your productivity. You should never feel ethically obligated to work during your time off as it is hurting rather than helping the company in most cases. You should feel obligated to take your rest and be refreshed for your work on your next shift. Some companies don't like this and expect you to work tonnes of overtime but only the most toxic ones don't understand this when it is explained to them.
Use your time off to become more productive when you are working, make sure that you complete urgent tasks on time, make up any hours that you have missed, and don't assume that because a manager gives you information about something it is because they expect you have to use it. Your manager is as human as mine who never knew what day it was!