Milner & Orr Funeral Home Of Lone Oak
3745 Old US Hwy 45 S, Paducah, KY, 42003
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 Kentucky
$2,121 – $6,671
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,121–$6,671. 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
What Families Say
“Ask for Kayla. She cared for my entire family when we lost my father-in-law. She is knowledgeable, kind, caring, and goes over and above to help.”
— amy howell
“The highest quality of care and compassion working with their clients.”
— Jennifer Rukavina
“Very professional. They work with you if you can’t pull it off. Really great people here made a beautiful service ❤️”
— Jamie Hamilton
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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