But how do you get on to s trial.

Stem cell therapy is still very experimental. A legitimate clinical trial is possible - and costs you nothing. If they want you to pay, then it's not a legitimate clinical trial and they mostly just want your money. Insurance won't pay because it's not a proven therapy yet. There are a few discussions here already about stem cell therapy (At the top of Q and A put in stem cell).

referrals are not necessary- insurance will not pay

Where would you find a doctor to refer you to trails of stem cell therapy