Let's reverse it. ARE you saved if you don't have a pastor? What I mean, someone that refuses to be a part of a local congregation, contrary to the scriptural definition of what "church" is, are they really one with Christ?
1Co 5:4 When you are assembled in the name of the Lord Jesus and my spirit is present, with the power of our Lord Jesus,
Heb 10:25 not neglecting to meet together, as is the habit of some, but encouraging one another, and all the more as you see the Day drawing near.
Or allowing God to give you pastors?
Eph 4:11 And he gave the apostles, the prophets, the evangelists, the pastors and teachers,
Eph 4:12 to equip the saints for the work of ministry, for building up the body of Christ,
Eph 4:13 until we all attain to the unity of the faith and of the knowledge of the Son of God, to mature manhood, to the measure of the stature of the fullness of Christ,
Eph 4:14 so that we may no longer be children, tossed to and fro by the waves and carried about by every wind of doctrine, by human cunning, by craftiness in deceitful schemes.
1Pe 5:1 So I exhort the elders among you, as a fellow elder and a witness of the sufferings of Christ, as well as a partaker in the glory that is going to be revealed:
1Pe 5:2 shepherd the flock of God that is among you, exercising oversight, not under compulsion, but willingly, as God would have you; not for shameful gain, but eagerly;
1Pe 5:3 not domineering over those in your charge, but being examples to the flock.
It's not that you can't become saved except through a pastor. It SHOULD be that if you ARE Christ's you'd want to be a part of the body, not separate. You'd WANT what God gave you, not rejecting it