I rarely talk on the phone when H is home. I usually wake up a few hours before him, so I'll chat on the phone in another room until he wakes up. My time with DH is limited and I prefer for it to be without distractions. My friends and I can't limit a telephone conversation to 5min, but I feel rushed to get off the phone when H is sitting there. So I'll text or FB chat when H is around. The one exception to this is my Mom; I'll spend hours on the phone with her no matter who is around. Funny cuz when my mom's BF is around, she won't talk for more than 5 min lol. But I get it, her time with him is limited as well.
Most of my female friends are in relationships and they seem to operate the same way. Everytime we have full conversations (like our 1hr+ chats), their SO is not around. And my single friends will actually push me off the phone if I mention that H is home or just woke up. Even when I'm insisting that I'll stay on, they're insisting that I go spend time with him and call them later. It's them who actually got me into the mindset that I should be focusing on DH when he's here.
As for not calling back 5min later or whenever: all of my friends are guilty of this, as am I. We have lives, we gut busy out of nowhere, we get distracted, blah blah. But we're all understanding of this and don't take it personally. Even if we still haven't spoken days or weeks later. We just pick up where we left off. That's what we all love the most about our friendships. It doesn't work for everyone, but it works for me and the women that I'm friends with. I wouldn't trade them for the world!
If you don't like how your friends treat you, then find new friends.