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1) Close friend had a 14 month final illness. He was 40 years old and his immigrant wife had no skills no money and 2 children to take care of. By the end there was nothing. To help out, I called oh so many funeral homes and cemeteries. The family purchased 3 plots (one for his Mother who was ill as well); had a brief viewing-- maybe an hour or so; and the burial. The entire bill was under $6000. Trust me EVERYTHING is negotiable.
2) Another friend's Mom passed away. She truly had NO assets and was in NH on medicaid at the passing. A plot had already been purchased for her when her husband had passed away. There was NO Viewing or use of funeral home. There was a church service. The bill was over $9000!
Final thought, my friend mentioned a funeral home that she had been to 3 times in the past year. It wasn't in her town and she couldn't understand why everyone was using it. She finally asked and and her friend said she called 10 funeral homes and this one gave the best price!
We just paid $9,000 recently for a relative - funerals are so expensive. Many people are opting now for cremation as it is much cheaper - think about 3,000 or so. This option is not for everyone, but just a thought. I consulted an attorney regarding many questions I had - there was no charge for the first consultation; think most lawyers do this. They have the up to date information on medicaid, etc. Take care.