Neptune Society
2550 Highlands Blvd N, Palm Harbor, FL, 34684
Questions to Ask When You Call
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.
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.
Payment & Financial Options
Average in Florida
$2,495 – $7,848
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,495–$7,848. 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.
Business Hours
What Families Say
“From start to finish, my family and I couldn't have asked for a better staff to help our family through a sad and difficult time. My mom was alone in FL. My sisters and I live 1,200 miles away and didnt make it in time to say goodbye to our father. Oscar, Elizabeth and staff were right there to assist our mother during her time in need. They were absolutely wonderful! Losing the love of her life after 62 years together, she was heartbroken. She said the Neptune staff treated her like it was their own family member. They were so caring, compassionate and very thoughtful! They listened to everything we had to say and they reassured our mother that they were going to walk her through everything, which they did! Although it was a sad and difficult time for us, the Neptune team made the experience as pleasant as possible. I highly recommend Neptune Society! My family and I were so thankful for them and appreciated everything that they did for our mom! Thank you so much Neptune Society! Robyn DiRaffaele & Family of the late Henry Michael Schuhmann 05/05/1943-01/23/2026”
— Robyn DiRaffaele
“Neptune Society responded quickly after God called our loved one home. He was and is my mothers everything. He was an Awesome father, grandfather and friend to many. They fulfilled the request to have a blanket with a Guardian Ange to cover him when they transferred him to the crematory. They left 2 roses and a sweet note on the pillow of his hospice bed. Oscar had the death certificates ready quickly so we could notify social security the banks and credit cards. We would highly recommend Neptune Society for their exceptional service. Thank you.”
— Wendy H
“Wonderful group of people, Nikki assisted in my mom's prearranged service. Kind and compassionate are the words I would use to describe the staff. The follow up was amazing and appreciated. I highly recommend the services the Neptune society provided. I was glad my Mom had everything in place. Thank you to the staff for assisting us in following my mother's wishes”
— Elizabeth Pierce
We can help with what comes next.
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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