I have Go Phone service. It is Cingular/ATT. It works for me.
My husband and I don’t carry on long conversations so this works for us. For us it works out to be less than $10 a month. Don’t know where you can get the peace of mind for that much.
I also have a boost phone for back up. For my adult kids to contact me for emergencies. But the first time someone two ways me it cost $1 for the day, even if it is a minute call and that is the only time I use it all day.
If I use it every day it is $30 a month. And minutes expire in 90 days unless you refill. So I have to remember to buy a card every 3 months.
Go phone I buy a $100 card once a year. Left over minutes roll over.