(New York Times) — IF you are like most people, you have probably used a credit card to pay some of your medical bills. With rising health costs and gaps ininsurance coverage, it’s almost unavoidable. Patients pay about $45 billion worth of health care costs with plastic, according to a report from McKinsey & Company. By 2015, that number could more than triple to an estimated $150 billion. And big finance companies and medical providers have taken note. Companies like GE Money, Citibank and JPMorgan Chasehave issued medical credit cards or lines of credit intended to be used specifically for elective health care expenses not covered by insurance, including certain dental procedures,Lasik surgery, some cosmetic surgery and even veterinary care. The cards are not used for continuing medical care or emergency room visits.