I finally went to add the $100 to my account (I'd been resisting both to make sure there wasn't problems with the service and so my year started as late as possible in case I misunderstood exactly how things worked.) T-mobile wanted to charge me $105 for my $100 refill. Well I'm really weird, and despite the fact that tax is a perfectly reasonable thing to charge, I felt kind of ripped off. So I bumped around and found a place that was selling $100 refills for $93 plus and extra 3% off. At first I was nervous there was a scam but I poked around and didn't find any pages saying "Don't use that site" and gave it a try. Everything seems happy. So I got my year of 1000 minutes for $90.12!