So anyway, I finally found it! If anyone is interested, it's the Virgin Mobile Pay As You Go Phone. You go to Target, Walmart etc. and buy the Virgin Mobile Pay As You Go Phone that you want. I got one for $9.99 at Target. Then do NOT buy the minute cards there. Go home, get online and set up your phone online. Choose the "automatic top up of $15 every 90 days" charged to your credit card, Paypal account or I believe you can have it deducted from your bank account. This is how it comes out to $5 a month!
They do not really advertise this, but if you read the fine print as you are setting up your phone you will see it. I was a little worried because when I got my confirmation email it said I had to have a minimum of $20 every 90 days to keep my account active, but I called and asked them and sure enough - if you do the automatic $15 top up you are okay.
This is a good deal for an emergency phone. Basically you get 25 minutes a month for this because it's $0.20 a minute. So for you Gabby Abbys out there this would not work for you - sorry!
Also if you are signing up online it will ask if you have a promo code. You can find these all over the internet by searching for Virgin Mobile Promo Code. Most of the time this will get you an additional 60 minutes for free.