I have it too. For texting it just deducts mins. For the 68 mins a month plan it takes off 0.30 and the 125 min plan it takes off 1 min for each text you recieve and send. Ther is another plan but I don't remember what that one is.
I just went and test drove the kia sorento. it is really nice. I already mailed the form in to. they told me it would be about 4 weeks. I hope it does come.