Logan's employer does not offer insurance. Dillon has a heart condition & needs to see a Pediatric Cardiologist so I am paying out of pocket up front for his first visit & all the tests. If any of you have ever received a bill from a specialty doctor, you know how crazy expensive that is. If he requires a follow up appt or further testing, I am not sure I could afford that also. Need some suggestions on affordable insurance companies that will cover costs for a pre existing condition for a specialty clinic.