St. Charles Memorial Gardens
3950 W Clay St Ste 200, St Charles, MO, 63301
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 Missouri
$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
“I was very pleased with the over all service the full military honors was great. My funeral director was awesome, helpful and professional. However the Lions Club did a beautiful rose ceremony the night of my husbands visitation there were so many roses I took some my sisters, my mom, granddaughter and sister in laws took some but there was still quite a few left so I thought we would put them on his grave so I left them on the table I come back the next day there was 1 rose left. I was told the girls said there wasn’t any left but there was. I was very disappointed with that part and my son forgot his phone charger and that was no where to be found. But over all the visitation was set up nicely and the service inside and grave site were beautiful. Colby Hitchcock read my review and made things right he went out and bought 2 dozen roses and laid them on my husband’s grave today I thought that was very sweet thank you for doing that, it made me pretty emotional too went out and did that thank you!”
— Linda Whitmore
“I enjoyed doing business with Baue Cave Springs with Barb Haag and Katie Schubel. Both of these ladies were SO helpful and knowledgeable that when I buried my Mom and Dad I purchased a crypt for my husband and me. The cemetery is so beautiful and peaceful!! I have been to Baue Cave Springs multiple times and have never been disappointed about the care of the cemetery. My family will definitely rest in peace. Thank you for your support and direction!”
— Christine Bishop
“St Charles Memorial Gardens and staff have exceeded my expectations for compassion, service and courtesy for my parents, my brother and my husband over the years. I always tell everyone about my experience with your wonderful staff/”
— Theresa Shelton
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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