You can try www.skype.com too. The same goes you have to have a cam and head set and all that. Well you dont have to have the cam and stuff, im sure you'll feel better with it, tho.
I dont know how the rates are with this card, but I use it all the time because I can recharge with a credit card. Its great cuz I dont have to get up and go out in the middle of the night... its Geo Telecom. The card is all black with a zebra on it. i just use the same card over and over. 58 minutes to call the house for $5, 28 minutes for the cell phone, so i just use the computer whilke hes at home and cards when hes working..... its been working so far. Have you tried vonage??? 24 cents/min to call the house and 34 cents/minute for the cell. Vonag cuts you off at 30 minutes, I just call right back on those days I just need to talk or he just needs to talk.....
hope you find something that works out.........