The Cingular pre-paid plan is what I need. It's 0.25 cents a minute, pay as you go. My last bill would have been around 7 dollars. Except it only works with mediocre phones that cost $80 and up. None of which include a camera.
For about 17 dollars less than I'm paying now and a 2 year commitment, I can get a brand new Sony Ericsson T637 for free. That satisfies the camera requirement, and saves me some money, but it's still considerably more minutes than I need.
Lane is getting the T637 (switching plans will save her a bit each month). I guess I'll just wait and see how I like her phone, then decide between the two.