I urge you to have her speech evaluated. Call the local school district office and ask for the office that does evaluations. Federal law requires that all school districts evaluate, diagnose, and provide necessary treatment for any child from birth on who is possibly in need of services so that they can be successful once they're in school.
In Oregon the office is call (county) Educational Service District. You can get their number from the school district main office. The service is free.
You can also get a private evaluation thru a speech therapist or a developmental pediatrician. Ask your regular pediatrician for how to do this.
You mentioned a pathologist. What was their recommendation? Was it a speech pathologist? They should know the procedure to get help thru the school district.
My grandson was delayed in learning speech and his mother had him evaluated thru the school district when he was 2 1/2. Turns out he has apraxia of speech and at 9 still has difficulty talking so that others can understand him. He also has some developmental delays and sensory processing disorder. The school district office evaluated for all of those and is continuing to provide treatment.
He is also being seen by a developmental pediatrician who helps to coordinate all of his services. I wish we had started with the developmental pediatrician because she is the one who diagnosed the latter two difficulties.
Your health insurance may be for a private evaluation. My daughter has combined both school and private resources for her son.
Do this right away. The longer you wait the more difficulty your daughter is going to have in learning speech. The therapists will show you how to help her learn but they have training and skills on a level that far exceeds what you can provide on your own.