Stem cell stuff is the way of the future, but the US lags behind and private insurance companies usually refuse to pay for it. Such is the way of life (and death) in the American health care industry. Go to Canada. Or Belgium. Or Germany...
The one I went to offers something called "Care Credit". It's like a credit card for medical stuff. My insurance wouldn't cover it, but would have covered spine fusion surgery. Go figure. Couple of places here in Denver area offering treatment.