A magazine has questioned the credit arrangements that many patients are using to pay for health care.

Many of the medical care financing programs initially offer “interest free” loans, but patients who miss payments can end up paying interest rates as high as 27.99%, according to an article that appears in the July issue of Consumer Reports, which is published by Consumers Union, Yonkers, N.Y.

Another concern is that the availability of the credit arrangements may give doctors and dentists a financial incentive to push patients to sign up for unneeded treatments or for unreasonably expensive treatments, the magazine warns.