Explore regenerative medicine financing options, treatment costs, payment plans, and personal loans to help manage out-of-pocket care expenses.
The offers displayed on this website are from third-party advertisers.
FigCare Pay receives compensation from participating lending partners when users are referred through our platform. This compensation may influence which financing offers appear on this website, as well as the order in which they are displayed.
We do our best to present a variety of offers, however the lenders and loan products featured do not represent every financing option available.
Last Updated September 2026 • Patient Guide
Because standard health plans and Medicare treat regenerative procedures as investigational, almost all patients face out-of-pocket costs. Prices range from about $500 for a baseline PRP injection to upwards of $50,000 for systemic stem cell therapy. Understanding true procedure costs, regulatory boundaries, and financing structures prevents you from borrowing more than necessary.
Regenerative medicine is an umbrella term for injection-based treatments designed to help the body repair injured tissue, reduce chronic joint pain, or stimulate cellular recovery. Because prices, extraction methods, and regulations vary widely by type, it helps to know exactly what is involved before you commit:
What you pay depends on the treatment type, provider credentials, whether image guidance is used, and how many sessions you need. Typical self-pay price ranges include:
| Treatment | Cost | Commonly Used For |
|---|---|---|
| Prolotherapy | $500 to $3,000 / session | Joint and ligament pain; often the lowest-cost option. |
| PRP Injection | $500 to $2,000 / session | Joints, tendons, and hair restoration (usually 2 to 4 sessions). |
| Exosome Therapy | $500 to $12,000+ | Aesthetics at the low end; systemic IV infusions at the high end. |
| BMAC (Bone Marrow) | About $2,500 to $5,000 | Moderate to severe osteoarthritis in knees, hips, and shoulders. |
| Stem Cell (Single Joint) | $4,000 to $10,000 | A single knee, hip, or shoulder injection. |
| Stem Cell (IV or Complex) | $15,000 to $50,000+ | Multi-joint programs or multi-day whole-body IV protocols. |
These figures reflect typical 2026 self-pay prices and are not a quote. Ask the clinic for an all-in estimate covering initial consultations, ultrasound or fluoroscopic guidance, and any follow-up visits.
Almost never for outpatient joint or cosmetic procedures. Insurers and Medicare classify PRP, stem cell, exosome, BMAC, and prolotherapy as experimental or investigational, meaning patients pay out of pocket.
This is different from FDA-approved stem cell transplants for blood cancers (such as leukemia), which are covered in-hospital procedures. While some private plans occasionally reimburse a portion of an orthopedic PRP injection with thorough documentation and prior authorization, it remains rare.
Can You Use an HSA or FSA?
Under IRS Publication 502, pre-tax funds cannot be used for cosmetic uses like hair or facial PRP. Investigational joint injections also risk being denied or challenged during an audit. Even with a Letter of Medical Necessity, check directly with your plan administrator before paying with an HSA or FSA card.
For orthopedic, cosmetic, and anti-aging treatments, the answer is almost always no. The FDA has published consumer alerts on regenerative products, warning that unapproved stem cell and exosome treatments have not been proven safe or effective.
Before signing any financing agreement, make sure to confirm:
A clinical trial is the best way to receive legitimate regenerative care without paying cash-clinic prices. In many studies run by university hospitals and medical research centers, the sponsor covers the product, imaging, and specialist visits.
You can search ClinicalTrials.gov by your condition (such as knee osteoarthritis) and filter for trials actively recruiting in your area. Legitimate research studies will never charge you thousands of dollars just to participate.
Because insurance rarely helps, four financing routes cover almost every patient. The best choice depends on your credit and how fast you plan to repay the balance:
| Way to Pay | How It Works | May Make Sense When | Watch Out For |
|---|---|---|---|
| Personal Loan | A fixed-rate installment loan with terms from 2 to 7 years. | You have a larger balance ($4,000+) and want predictable monthly payments. | Interest starts on day one; your APR depends on your credit score. |
| Healthcare Credit Card | Cards like CareCredit offer promotional interest-free periods (6 to 24 months). | You are completely confident you can pay off the entire balance before the promo ends. | Deferred Interest: If even $1 remains after the window closes, interest is backcharged to day one at 26% to 30%+ APR. |
| Buy Now, Pay Later (BNPL) | Installment platforms like Cherry split costs over set monthly payments. | Smaller balances ($500 to $2,500) where you want a fast, soft-pull check. | Longer repayment plans usually carry standard interest rates. |
| In-House Clinic Plan | The provider divides its own fee into scheduled monthly payments. | You want to avoid third-party lenders or have lower credit. | Not widely offered, and often requires a substantial upfront deposit. |
Once you have an itemized estimate from a provider you trust, you can check prequalified loan offers through our partner SuperMoney. Checking takes about two minutes and uses a soft credit inquiry.
To help budget your payments, the table below estimates monthly costs across common loan amounts at a sample 13% fixed APR:
| Amount Financed | 3-Year Term (Est.) | 5-Year Term (Est.) |
|---|---|---|
| $3,000 (a PRP series) | ~$101 / month | ~$68 / month |
| $8,000 (single-joint stem cell) | ~$270 / month | ~$182 / month |
| $20,000 (IV or complex program) | ~$674 / month | ~$455 / month |
Illustration only at a sample 13% APR. This is not an offer. Actual rates, monthly payments, and loan terms vary based on lender criteria and your credit profile.
Generally no. Insurers and Medicare view these procedures as experimental for musculoskeletal pain, aesthetics, and general recovery. The only stem cell treatments routinely covered are FDA-approved bone marrow transplants for blood disorders and cancers.
Usually not for cosmetic or investigational treatments. Cosmetic uses like facial or hair PRP are ineligible under IRS rules, and using pre-tax funds for investigational joint injections risks being disqualified. Check directly with your plan administrator first.
For orthopedic, anti-aging, and cosmetic uses, no. The FDA has not approved exosome products or widespread stem cell injections for arthritis, and has issued consumer alerts regarding unapproved treatments.
Only if you pay off the balance completely before the promotional period ends. Most medical credit cards use deferred interest, meaning if you leave even a small balance when the window closes, interest is charged retroactively to day one at 26% to 30%+ APR.
Yes, it may be possible. Aggregators connect borrowers across varied credit profiles, though lower scores usually mean higher interest rates or smaller loan limits. Applying with a creditworthy co-signer can help secure better rates.
Search ClinicalTrials.gov directly using your condition and treatment keywords. Filter for recruiting trials near you. Academic medical centers run many of these studies, and the sponsor typically covers the investigational treatment and monitoring at no cost.
Before borrowing money, verify the treatment with an independent physician, check whether a clinical trial is enrolling near you, and ask for an all-in quote that covers the entire session series and imaging. If you decide to finance, compare fixed-rate personal loans against payment plans to find terms that fit your budget, and borrow only an amount you can comfortably repay regardless of the outcome.
Compare monthly payment options from participating lenders. Checking prequalified offers uses a soft credit inquiry and will not affect your credit score.
Disclosure: FigCare Pay is not a lender, broker, or credit decision-maker. When you select “View My Offers,” you are redirected to an independent third-party loan marketplace where lenders determine all rates, terms, and approvals; FigCare Pay may receive referral compensation. Prequalification uses a soft credit check with no credit impact, though completing an official loan application may require a hard inquiry. Cost figures shown are estimated examples that vary by provider, treatment, and region and are not a quote.
Medical Disclaimer: This page is general information only and is not medical, financial, tax, or legal advice, and it is not an endorsement of any treatment. Consult a licensed medical provider before undergoing any procedure.
YOUR ESTIMATE
MONTHLY PAYMENT
FigCare Pay supports healthcare businesses through two powerful financing approaches.
Make the cost of healthcare easier to manage with financing options that let you pay over time instead of covering the full cost upfront.
Receive funding directly while your patients manage their payments over time.
