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If you've never tried to negotiate payment schedules with your health plans-or if you haven't had success in the past-the tide may be turning in your favor. Consider it an unexpected result of the nation's growing shortage of primary care physicians.

It wasn't too long ago that many of us toted around a cell phone, pager, PDA, and a laptop-a veritable RadioShack holstered at our waists. Now most of these devices can be consolidated into a single cell phone.