We don't have a pay per minute plan, but thought I would mention: We used to have AT&T long distance with unlimited calling and it was costing me nearly $60 a month. I got an offer in the mail from the local cable/phone/dsl company whom we had cable and dsl through, for unlimited long distance for $15.99 a month for 12 months! I called and had it done the next week and I have been getting that same service as I had through att for a fraction of the price. I hear if you call after the 12 months and say you'll cancel if they raise the price, they'll just keep the price the same for you. It's funny because I keep getting mailers for ATT now trying to get me back, but they keep quoting prices that are a good 15-20 dollars higher than the local plan.
Bottom line, I would call around and see what offers you can find with other companies. ATT is NOT cheap, we are now looking to possibly cancel one cell phone and maybe switch the other to another company. (I do realize you never said you use ATT, but this is just my example) You might be surprised to find out what is out there if you go with a different company!