Protect Your Family from Out-of-Pocket Funeral Costs
One payment. $2,500. Done. A funeral protection plan the state cannot take from you—even if Medicaid takes everything else.
What $2,500 actually covers
The essentials are handled. Your family can do the rest however they want — or not at all.
Cremation Services Covered
Transportation, cremation, urn, and urn vault — all included through participating funeral homes.
No Restrictions
Your coverage works anywhere. No lock-in to one funeral home. No forced decisions about ceremonies or services.
Not Counted as an Asset
Designed for Medicaid spend-down planning. The state cannot count this when they take everything else.*
Covered
- Transportation of remains
- Cremation service
- Basic urn
- Urn vault
- Basic dignity — handled properly
Available through participating funeral homes. Subject to provider availability.
Not forced on your family
- Funeral scripts or ceremonies
- Casket selection
- Church or venue requirements
- Flowers, catering, or programs
- Pre-planned emotional details
Your family decides how — or whether — to hold a service, gathering, or ceremony.
* Asset treatment varies by state. Confirm Medicaid eligibility with a qualified elder law attorney.
Why we built this
Nobody should have to scramble for funeral money while grieving.
We started this because people going through Medicaid spend-down were losing everything to the state — savings, home equity, all of it. Then when they passed, their family still got handed a bill.
That's the gap this fills. If you pay this before your assets are gone, it's essentially free to your family. If you wait, someone else has to cover it.
Either protect it now, or someone pays later.
The Problem
When Medicaid spend-down kicks in, the state counts most of your remaining assets. Savings, property, accounts — all fair game. Final expenses are not automatically protected.
The Catch
Traditional funeral pre-planning locks you into one funeral home, forces decisions you may not want to make, and may still be treated as an asset in some states.
This Plan
Designed for spend-down planning. One payment. No forced decisions. The essentials are covered. Your family handles the rest on their own terms.
How It Works
Three things. That's it.
No complicated paperwork. No decisions about caskets, flowers, or services.
One payment.
$2,500. No monthly premiums. No hidden fees. No medical exam and no health questions — everyone qualifies.
Two ways to use it.
Apply it as a $2,500 credit toward any funeral home in the world. Or, through a participating provider, it may cover a direct cremation package including transportation, cremation, urn, and urn vault.
Your family handles the rest.
A backyard gathering, a bar, a church memorial later, or nothing at all — that part is entirely up to them. The hard cost is already handled.
What a direct cremation package may include (through participating providers)
— Transportation of remains
— Cremation service
— Basic urn
— Urn vault
Participating funeral homes are subject to change. Itemized pricing is available from any provider under the FTC Funeral Rule.
Common Questions
Straight answers.
Either protect it now,
or someone pays later.
One payment. $2,500. The essentials are handled. Your family can grieve — not scramble.
No medical exam. No health questions. Designed for spend-down planning. Confirm Medicaid treatment in your state.