Hoy-Kilnoski Funeral Home and Crematory
1221 N 16th St, Council Bluffs, IA, 51501
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 Iowa
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
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.
Services Offered
Business Hours
What Families Say
“Losing my mom was heartbreaking. During this roughest of times, Mike Hoy and his assistant Andrea exhibited professional and empathy through the whole funeral process. From collecting her remains from my home after she passed, to hosting a beautiful service honoring her memory, Hoy-Kilnoski had my back. The thought of going to the funeral home to take care of the details of my dear mom's funeral seemed horrifying, daunting. But once I was seated across from Mike in his beautiful conference room, the process went surprisingly well. I was so thankful for his professionalism. There was no tacky high pressure sales. Mike was respectful and empathetic. He even prepared my mom at the last minute for a private viewing at my sisters' request. My sister's were so grateful and they both commented on how beautiful and peaceful she looked. The service went smoothly. The flower arrangement around her urn was beautiful. And the slide show presentation was the perfect tribute.”
— Melody Barajas
“Even though I was fighting a cold I felt the need to go to a visitation that this Simple Man could identify with. It is so tragic when they go that young and yet some friends and family were dressed in Halloween costumes to celebrate Hayden. I did not know him personally but Hayden will not be forgotten from this fellow LC alumni. The service was professionally done and will keep it in mind.”
— David Phelan
“Using hoy has ben the best choice in this difficult situation. The owner came himself and was the most professional person i have ever met. We appreciate everything he and his staff have provided us. I just can't say enough to let everyone know that these are the most beautiful people who helped our families and thank you. Steven jr.”
— s o
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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