As with any Verizon cell phone and plan you have to have the web added to your plan. Yes, you do loose minutes when surfing the web or checking e-mail....now if you have a plan that has unlimited nights and weekeds if you surf the web or check e-mail at those times, no you are not charged, as it is unlimited during those times. I hope this answers your question.
If I understand the question correctly, no, you won't have to have anything additional added to your plan. It will only use minutes. I use a T68i with Bluetooth on my T-Mobile account and when I connect my Ipaq to it with the Bluetooth feature, its the same as if you ran a cable to the phone. I'm only using the phone as a modem, so it only uses minutes. Its pretty slow but effective.