R.T. Foard Funeral Directors & Crematory
259 E Main St, Elkton, MD, 21921
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.
“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.
Payment & Financial Options
Average in Maryland
$2,869 – $9,025
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,869–$9,025. 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
“Foard funeral home helped my parents preplan their services. When we lost our mother in September of 2024 they were amazing from picking her up and in completing her wishes. In my opinion they are the best at what they do for families who are grieving the loss of a loved one. They will also take care of my final arrangements when the time comes. They are very professional from the beginning to the end and will assist you even afterwards if needed. Thank you for caring for our families needs during this time.”
— Betty Hawkins
“R. T. Foard funeral home is totally Awesome in every aspect. At the most devastating times in our lives, they provided us with all the compassion, comfort, and took care of every thing we needed. They presented the Most Beautiful services for my son and now three years later for my daughter. I truly appreciate everything they did for me and my family.and I Highly recommend them. They are truly the Best !!!! I'm so sorry I'm not better at explaining everything I want to say but I do absolutely think they are the Very Best !!!!!”
— Brenda Whitt
“I can not thank R.T. Foard enough for the beautiful service they provided for my father, Dexter Thompson and my mother, Mary Thompson years before that. They went above and beyond and made a difficult time much easier for me by helping me every step of the way. I am forever grateful and highly recommend them!”
— Taylor Thompson
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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