No idea if it's relevant, but when you google "Red Cross Calling Cards" most links pertain to the "Help Our Troops Call Home" Program, which is a charity program that Red Cross donates calling cards to overseas U.S military personal.
Does the Red Cross donate cards to civilians? Perhaps even MM? I have no idea. But IF the call to MM's boyfriend was from overseas military, that makes an interesting consideration.
MOO.
ETA: Wasn't MM's boyfriend in the military?
I believe MM's boyfriend was a West Point graduate and was a Army Lt. in 2004. I think it was possible he gave her the card at one time and that she had it in her wallet on the day of her 2nd accident. One question I have: Is there any kind of expiration date on the red cross phone card? I've never used them.