Beating the High Cost of Phone Service

Photo by Tech Daily on Unsplash

When was the last time your cell phone carrier did something nice for you?

Not that I feel like I’m owed spontaneous acts of kindness just for being me (well, at least not much), but it seems like the only time I ever heard from AT&T was when they were messing with my subscription or changing my Terms of Service because their lawyers found a new loophole to exploit. I was paying over $205 per month for service on two phones, a smartwatch, and an automobile. And that was with a discount from being part of a national account. Seems like they could come up with something to make life better, yes?

Yeah, well… no. After all, this is the phone company we’re talking about. An ATM machine for stockholders that just happens to also sell communications services. The type of entity that can’t be bothered to be innovative unless it solely serves themselves. John Oliver can vouch for this. I’m certainly not opposed to a company making money; after all, that’s ultimately why it’s in business in the first place. But we all know that phone service competition doesn’t function like a normal competitive marketplace should, so sometimes an outside force is needed to disrupt the status quo.

How To Choose a New Carrier?

Cell phone carriers are in that category of service providers that we love to hate, and the hate is, in my opinion, well deserved. You don’t pick a carrier because you think it’s the best, you pick it because you think it sucks the least. At one point in time or another I have been a customer of all the legacy tier-1 carriers in the US, so I knew picking either Verizon or T-Mobile was just trading one set of problems for another. Luckily there’s another option: Mobile Network Virtual Operators.

MVNOs resell service from the big four three carriers at a significantly lower price. They buy network capacity in bulk and pass the savings on to their customers. I’ve known about them for several years but was skeptical about how they really compared with the tier-1 providers. How can they really cut the price so significantly? What’s the catch? What are the differences between them? Given the realities of working from home during the age of covid, I knew that my cell phone usage and dependence was less than normal, so I figured now was the time to take the plunge and find out.

So why Ting, specifically? They are a well-established MVNO that seems to have a good reputation. I’ve seen good reviews about them on Reddit and other typical online haunts, and I was reminded of them while watching Linus Tech Tips on the YouTube. The allure of replacing my overpriced AT&T wireless bill with a much smaller one was too great to pass up.

The Game Plan

Step one was to right-size the AT&T bill. This experiment is limited solely to my personal cell phone, as the wife will not tolerate such things.

Old PlanNew Plan
AT&T Mobile Share Advantage 20GB$155.20#1: AT&T Mobile Share Advantage 20GB$125.20
20GB pooled data, shared across four devices:
– my iPhone X
– the wife’s iPhone XR
– the wife’s Apple Watch
– my old Audi
20Gb pooled data for one device:
– the wife’s iPhone XR

(disconnected service for the watch and the old car)
Taxes and fees$50.37Taxes and fees (anticipated)$22.00
#2: Ting Set-5 Plan$25.00
5GB of data, including being an access point
Taxes and fees$7.00
(Savings of $25.37)
Watch this space for oh-so-exciting financial updates to come!

If all goes well, I’ll move the wife’s phone to Ting as well. That should get our monthly bill down to around $64, a savings of almost $141/month!


I’m going to publish a step-by-stop log of the whole process and try to give as honest and objective of a report as I can manage. I know I’m not alone in this situation, so I hope that others can profit from my adventure.

  • Sun, June 6th, 2021 – Signed up on ting.com. After they qualified my device as being compatible and my AmEx as being chargeable, they arranged to ship me a SIM card for $1.10, which would arrive via FedEx in a few business days. (Picking up a SIM card at the local big box store was also an option. )
  • Wed, June 9th – FedEx drops off an envelope containing the Ting welcome kit. Inside is a SIM card, a SIM ejector tool, and the obligatory stickers.
  • 1:00pm – Six hours of work meetings finally let up, affording me some time to do the activation. The enclosed instructions are a bit vague on what to do, and I did myself no favors by trying to rush a few steps ahead. At one point my phone was stuck in the no-man’s land between being released by the legacy carrier but not yet picked up by the new one, requiring me to borrow the wife’s phone to call for help. Turns out the fault was partially mine: AT&T sends one last text message to confirm the port request is legit, and I didn’t wait for it before swapping the SIM cards. The reason I say ‘partially’ is because AT&T doesn’t really publish much in terms of instructions for porting away from them, only porting to them. So I had no way to know that a text was waiting for me. Ironically enough, the AT&T employee that handled my call was the nicest, easiest to understand, and genuinely helpful agent that I’ve encountered in years.
  • 1:30pm – After two experiences with Ting’s chat-based customer support, all is functional. I opted for chat-support over voice because sometimes it’s easier to use overall. It’s certainly easier when one is multitasking during work calls!
  • Thu, June 10th – First time leaving the house with the new service. I knew I had to do a Carrier Update on the phone (in the Settings app) so that it would properly initialize with Ting but that apparently wasn’t enough: at one point I found myself with zero data service while on an Uber ride to a friend’s house in the Lincoln Park neighborhood of Chicago. Had to do a Network Reset to get it back online again. There might have been a less-severe way to accomplish this but I was pressed for time at that particular moment.
  • Fri, June 18th – Drove up to Wisconsin for the weekend to visit my father for Fathers Day. Spent a few hours in the Wisconsin Dells on Saturday but otherwise we were at his house, a location about an hour further north near Wisconsin Rapids. I had some call quality issues while on a long-ish phone call between Rockford, IL and Madison, WI along I-90, a fairly busy corridor with plenty of cell phone coverage. The signal strength indicator fluctuated quite a bit, but didn’t seem to accurately describe the situation as I got the typical crystal-clear signal on 1 bar or dropped audio when I had 4 bars. This might be due to my phone not fully utilizing T-Mobile’s network– see below for more on this subject. I also saw the phone drop down to “4G” instead of “LTE”, which I haven’t seen happen in years. I strongly suspect that this is a throwback to the ‘fake 4G’ era, when T-Mobile was trying to pass off its 3G network as 4G.
  • Tue, July 6th – I was continuing to experience performance problems so I contacted Ting technical support via their web portal. The wait was a little longer than the last time, but still under 7 minutes. (That it’s on the web is a bit help here.) They mentioned that I was out of data on my plan, but the speeds I was getting were well below even lowly 2G. After troubleshooting with an old iPhone model to rule out a hardware issue with my current one, they dispatched a new SIM card to me via FedEx. They claimed it would be a two-day delivery but apparently FedEx was feeling overly ambitious that day because it came the next day. Contacted Tech Support again to update my SIM registry (cannot be done on the web site from what I could see), swapped the old SIM with my new one, reset the network settings, and I was back in business. I added a “1GB data top up” to keep me going for a few days until my service re-up’d for the next month.
  • Thu, September 16th – I haven’t updated this in a while because I haven’t had a need to! Everything has been working smoothly and reliably. At this point I see virtually no difference between Ting and the legacy services during regular daily use.

Carrier Network Support – Yes? No? Maybe?

Carriers utilize a variety of signal types and radio frequencies to provide wireless phone service. While they will be quick to tell you if a given model is supported, they don’t necessarily make it clear to what extent it is supported. I found out the hard way that my phone doesn’t fully exploit Ting’s 4G network.

My particular iPhone, a 256GB iPhone X model A1901 purchased in late 2017, was designed with AT&T and T-Mobile’s networks in mind. However it does not fully support T-Mobile’s full network: it’s missing LTE band 71, which they use quite a bit throughout Wisconsin. The model A1865, which was sold for use on Sprint and Verizon’s networks, supports the same LTE network bands, and also the legacy 3G CDMA technology that these carriers used.

Here’s a list of the cellular networks used by Ting, the specific LTE bands that they use, and whether or not those bands are supported by either iPhone X model sold in the US:

Band 2Band 4Band 5Band 12Band 13Band 25Band 26Band 41Band 66Band 71
SprintY (both)Y (both)Y (both)
No support

Apple improved this situation a year later when they released the iPhone XR and XS, both of which support all of the above LTE bands as well as Band 71 on T-Mobile. This is influential for me, since my wife uses an iPhone XR and I’m hoping to eventually move her to Ting as well. This is likely the case for all subsequent models, though I didn’t check.

Breaking Down the Bill

The whole point of switching away from AT&T was to get more affordable service, so I’ve been looking forward to this moment.

Each telecom company seems to have a different way to break down their taxes and fees, but I’ve tried to match them where possible.

What AT&T calls it:What Ting calls it:
Municipal Telecommunication Tax$1.87Communications Service Tax$0.58
State/Municipal Telecommunications Tax$1.87Communications Service Tax (Wireless)$0.58
IL 911 Surcharge$5.00E911 (Wireless)$5.00
Federal Universal Service Charge$5.69Federal Universal Service Fund$0.71
IL Telecom Relay Service$0.02Telecom Relay Surcharge (Wireless)$0.02
FCC Regulatory Fee (Wireless)$0.01
Federal Telecom Relay Services Fund (IPTCS)$0.02
Federal Telecom Relay Services Fund (non-IPTCS)$0.08

That’s a pretty substantial reduction. <BillyMays> But wait, there’s more!</BillyMays>

What AT&T calls it:What Ting calls it*:
Administrative Fee$1.99Pushing the Radio Waves Through the Air Fee$0.00
Regulatory Cost Recovery Charge$1.50Whining About The Government Fee$0.00
Other Charges (* I might have made these names up. But the costs are real.)

Did you really think there wouldn’t be more charges? AT&T certainly doesn’t! Tack on an additional $3.49 for them shamelessly grabbing for more of your hard-earned money. As if their service rates aren’t bad enough.

In all fairness, I should point out that my old AT&T service was active – for six days – and thus the totals listed above are slightly skewed. And it doesn’t reflect the free HBO MAX that they include, which my household happily utilizes. I will update it when the next bill comes, when it will be exclusively for my wife’s phone.

In all, here is what the first month of service on Ting cost me:

Ting “Set 5” Service (unlimited talk and text, 5GB of 5G LTE data, hotspot capability)$25.00
1GB data top-up$5.00

Since the first month, I’ve been running solidly with my Ting service at the base rate of $32.00/month. If I find that I need to keep adding additional gigs of data for service then I’ll cross that bridge when I get to it.

Known Limitations

Of course it’s not all puppies and rainbows. Here’s what I’ve come across as being issues that might impact your experience.

  • International calling plans and service charges are expensive. This was a big factor for my household for years, as we traveled extensively around the world for both work and play. But Covid and some job changing has reduced that need significantly, certainly down to the point that I’m willing to pay a bit more for the rare times that it’s actually needed in exchange for more affordable service as a whole.
  • No support for smartwatches. This is because they don’t yet have the ability to support eSIMs. I don’t know enough about these technologies to know why this is such a hold-up, but apparently it’s a big deal.


Q: Why are MVNOs like Ting so cheap?
A: I’m still trying to find that out, but that might be the wrong way to look at it. Perhaps a better question is this: Why are the big cell carriers so expensive?! AT&T’s fee structure alone supports this theory.

Q: How’s the service?
A: My service around the house is just as good as it was before. I haven’t figured out if there’s a way to determine which carrier Ting is using at a given moment, but I suspect that because my iPhone X was an AT&T model that I’m now on T-Mobile’s network, as Ting does not resell AT&T service. Technically there’s nothing stopping it from using Sprint or Verizon’s networks as well.

Q: How’s the tethering/hot-spot?
A: I admit that I don’t use this feature all that often, but when I have it has worked flawlessly. On a recent drive between Chicago and Tennessee I was able to get some work done while my wife did the driving. There were a few dead spots, but this is often the case while driving. It was no worse than what I previously experienced while using AT&T.

Present Status: A-

I’ve officially got a few months under my belt, and the service seems to work reasonably well. Data is acceptable and no voice calls have dropped. At first it felt like my wife’s phone had fewer data connectivity issues than me, but I suspect that was a fluke because there’s been no perceptible differences. The ‘minus’ is due to the lack of international options and smart-watch connectivity mentioned above, but that is a pretty small price to pay, IMO, for what is otherwise a huge savings.

I’ll update this story in the future if something noteworthy happens.

Got questions? Maybe I got answers! Post ’em in the comments below and I’ll respond as needed.

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