Stem Cell Authority

What Is Stem Cell Therapy? A Plain-English Guide

Stem cell clinics offer injections for pain and wellness. Most of these products lack FDA approval for these uses. This guide explains the facts, the risks, and the questions you should ask before you pay.

By Stem Cell Authority Editorial Updated August 25, 2026

What Are Stem Cells?

Stem cells are special cells in your body. They can develop into other types of cells. Doctors use them to study how diseases work. They also use them to replace damaged cells in specific cases. Clinics talk about three main sources for these cells. The first is bone marrow. This is the soft tissue inside your bones. The second is adipose tissue. This is fat tissue from your body. The third is umbilical cord tissue. This comes from the cord after a baby is born. Clinics collect these cells to make injections.

What Clinics Market

Many clinics market stem cell products for joint pain. They offer injections for knees, hips, and backs. Some clinics offer intravenous (IV) drips. They claim these help with wellness or aging. They say these products can fix damaged tissue. They say these products can stop pain. These claims are not backed by strong evidence for most conditions. The products are often sold directly to patients. Patients pay cash for these services. The clinics do not always follow strict medical rules for these specific uses.

What the FDA Allows

The Food and Drug Administration (FDA) has strict rules. Most stem cell products sold by clinics are NOT FDA-approved for pain or wellness. The FDA has approved only a few uses. These approved uses are very narrow. They involve blood-forming stem cells. These are also called hematopoietic stem cells. Doctors use them in bone marrow transplants. These transplants treat certain blood cancers. They also treat some blood disorders. These procedures happen in hospitals. They follow strict safety protocols. They are not the same as the injections you see in private clinics.

Clinical Trials vs. Cash Payments

It is important to know the difference between research and a clinic visit. A clinical trial is regulated research. It studies new treatments. These trials have oversight. They require informed consent. Patients in trials may get the treatment for free or at a lower cost. They are part of a study. A clinic visit is different. You pay the clinic for a service. The clinic may say the treatment is new. They may say it is promising. But it is not part of a regulated study. You are paying for an unproven therapy. You do not get the same protections as in a trial.

Questions to Ask

Before you pay for any stem cell service, ask these questions. Get the answers in writing. Ask what exactly is being injected. Is it live cells or processed tissue? Ask if the product is FDA-approved for your specific condition. Ask if this service is part of a registered clinical trial. Ask about the total cost. Ask what the risks are. Do not rely on the clinic's marketing. Verify their claims with your own doctor. Your doctor knows your medical history. They can help you understand the real risks.

Risks and Warnings

The FDA has issued consumer alerts about these products. The agency warns of serious harms. Infections can occur from unsterile injections. Blindness has happened after eye injections. Tumors can form if cells grow in the wrong place. These risks are real. They are not rare in unregulated settings. The FDA states that these products are not safe for most uses outside of approved trials. You must weigh the cost against the danger. Do not assume a product is safe because a clinic says it is. The lack of approval means the safety is not proven.

Verify Before You Decide

Take time to check the facts. Look up the clinic's license. Check if they are part of a clinical trial registry. Talk to your primary care physician. Show them the clinic's information. Ask for a second opinion from a specialist. Do not rush your decision. These procedures can be expensive. They may not help your condition. They may cause harm. Be a smart consumer. Ask hard questions. Demand clear answers. Protect your health and your wallet.

Common questions

Are stem cell injections for knee pain approved by the FDA?

No. The FDA has not approved stem cell products for knee pain or joint injuries. These products are marketed by clinics but lack federal approval for these uses.

What is the difference between a bone marrow transplant and a clinic injection?

Bone marrow transplants use blood-forming stem cells to treat blood cancers. They are FDA-approved and done in hospitals. Clinic injections often use fat or cord tissue for pain. They are not FDA-approved for pain and are paid for directly by patients.

Can I trust the stories other patients tell about these clinics?

No. Patient stories are not proof of safety or benefit. They are personal experiences. They do not replace scientific data. The FDA warns against using these stories as evidence of success.

What are the main risks of getting stem cell injections at a clinic?

The FDA warns of infections, blindness from eye injections, and tumor formation. These risks exist because the products are not regulated for these uses. You should consult your doctor to understand your personal risk.

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