The interior of the disk attached by $aba^{-1}$ must lift to two copies of that disk since the only covers of a simply connected space are trivial or disconnected. If you look at the boundary of the disk you can glue up the $a$ and $a^{-1}$ to get a new disk which attaches around its perimeter by $b$. So the endpoints of $b$ must be the same in the lift. Of the covers that you listed, only two have the property that the lifts of $b$ are loops: the disconnected cover and the cover with two lifts of $a$ running between two loops which are lifts of $b$. You can verify that if you attach two disks to this cover by $\bar a\bar b\bar a^{-1}$ for two disjoint sets of lifts $\bar a,\bar b$, then it really is a $2$-sheeted cover.