Meda
1106 Main St, Lovington, NM, 88260
You're not expected to know this. These questions help you compare and avoid surprises.
“Can I see your General Price List?”
Federal law (FTC Funeral Rule) requires them to give you itemized pricing. You have every right to ask.
“Do you accept insurance assignment?”
This means they bill the insurance company directly. You don't pay thousands upfront and wait to be reimbursed.
“What's included vs. what's extra?”
Packages may not include everything. Ask about the casket, embalming, transportation, facility fees, and death certificate copies.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
Know Your Rights
The FTC Funeral Rule protects you. Every funeral home must provide an itemized General Price List if you ask — in person or over the phone. You are never required to buy a package and can choose services individually. You also have the right to use a casket purchased elsewhere.
Average in New Mexico
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
Funerals in this area run $2,246–$7,063. If your loved one had a life insurance policy, the benefit can cover these costs — and we'll file the claim and handle the carrier for you, even without the policy number. $0 upfront, and nothing if it doesn't pay out.
“Recently had to bury my Grandpa. From the minute Troy walked in he was easy going and very sympathetic. We had great customer service from start to finish. Much more of a personable experience from Kirby-Ratliff than the corporate, cold feel we have seen from other companies in the area. I would highly recommend this funeral home over any other in Lea County”
— Jerod Stevenson
“Kirby-Ratliff funeral home was amazing during our time of loss. They were kind and considerate to our families needs. I would 100% recommend there service over any other provider in the Lea County area.”
— Brian Stevenson
“I can't say enough good things about Kirby-Ratliff Funeral Home. In such a difficult time for our family, Ms. Bettye Kirby was so comforting and helpful. She made preparations for my husband's service easy and was always available to answer my questions. She also guided the actual service with grace and confidence while remaining kind and respectful to the family's needs. And although no one wants think about cost while making final arrangements, Kirby-Ratliff is very reasonable in their costs and transparent in what they will be charging. They will make the arrangements to whatever degree you prefer and work with your needs.”
— Amanda Wier
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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