Whether you have coverage depends on your plan and on the particular service, since there are two distinct services here.
First, there is an evaluation consisting of the office visit, examination, and any ordered tests including imaging studies; coverage for this part of the encounter follows the usual orthopedic benefits.
Second, there is the biologic procedure which has its own coverage criteria, and plans vary widely as to how they categorize these procedures.
No biologic can even be planned without a specific diagnosis, so the evaluation comes first regardless of what coverage exists for any later procedure. Your first phone call should ask about the orthopedic visit, not the biologic.
Before scheduling, call the member services number listed on the back of your insurance card. Ask whether a referral is required to see an orthopedic specialist. Ask whether imaging requires pre-authorization. And ask how the plan categorizes the specific procedure by name, since the answer will vary for each biologic. Request that information in writing if possible.
There is one more question you should ask during this phone call, though it is not strictly an insurance question. Ask whether the specific product is approved for the intended application. It could instead be investigational, or sold through another mechanism. A registered study, an entry in a clinical trials registry, and FDA approval to sell are all separate concepts. Adjectives such as "natural" and "cellular" are not relevant. Bring what you learn to the visit: when you request an appointment, the benefit question is already answered before treatment ever comes up. If a plan puts a biologic outside its benefits, that is information worth having early, because it shapes the conversation you and your surgeon will have.