Gephart Funeral Home, Inc. & Cremation Services
201 W Midland St, Bay City, MI, 48706
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 Michigan
$2,370 – $7,456
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,370–$7,456. 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
“The staff here is very friendly and helpful at a time when you need help the most. They treat you like family members. They go out of their way to make the people mourning a loss, of a loved one, feel as little pain and sorrow as possible.”
— John Jill
“The staff was very helpful, kind and compassionate as we made plans for a family member under hospice care. Rico went above and beyond in preparing prayer cards, the obituary, and cremation services as well as assisting with Social Security notification and insurance benefits. His pre-planning assistance relieved us of the burden of trying to make arrangements in a time of grief and sorrow. The Gephart staff has followed up with calls, texts and written correspondence making sure our needs were met after the service as well.”
— Dave Simon
“Dave the owner of Gepharts and his staff went above and beyond for my family .. We would recommend his funeral services to everyone they are understanding and caring people.. When others could care less they cared ! What they did for us we greatly appreciate it .. Trust me when I say they would travel and do their best to accommodate the family they will. We cannot thank them enough for all they have done for us( Thank You) for caring and going out of your way for our loved one ! Gilbert and Cramer family They are 5 star ✨ plus in our eyes They truly CARE !”
— cindy gilbert
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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