Interesting you bring up the chest pain scenario. In 2003, when I was 32, I had
crippling chest pains, and, simultaneously, (this is what scared the crap out of me) my entire left arm went absolutely numb - I was certain I was going to die of a heart attack, and so I immediately called Kaiser (in hindsight, 911 would have probably made more sense, but I was overly sensitive to calling 911 for anything other than murder in progress, somebody not breathing, or house on fire).
I was patched through to an intake nurse, described my symptoms, and she asked a grand total of three questions:
"Are you having any shortness of breath"
"Do you feel any nausea or light headedness"
"Can you press your fingernail on your left hand, and tell me how quickly it goes from white to red"
After I answered those three questions (No, No, right away) - she then said, "It probably isn't anything, but we'll want you to come in some time this week" - and set me up for an appointment a couple days later.
Total interaction time - less than 5 minutes, and that was with an intake nurse, not even a doctor.
Clearly, an expert system had done the assessment, and had decided, based on some baysean weighing (32 year old is almost certain not to be having a heart attack) plus a few expert-tree questions, that it wasn't really an emergency.
(As it turned out, I was starting to suffer from some RSI in left arm - Doc made the assessment in 90 seconds of prodding my arm, suggested an ergonomic keyboard and less typing - His analysis of the chest pains were, "Likely stress related, nothing to be worried about.")
BTW - my doctor didn't even suggest x-rays. Just a standard stethoscope/Deep Inhale test. When I asked a physician friend of mine later, why they hand't run any tests, his answer was, "You weren't in pain when you visited, had no trouble breathing, - there were no obvious indications of distress, you are 32 years old - there was very low return on running tests, and doctors (particularly at HMOs) are taught not to engage in "fishing" (testing for the sake of testing)