How do you get charge for visual voicemail?

After reading a couple of post and being completely confused by them I tried an experiment. I turn airplane mode on and then proceed to check my voicemail from earlier.
The voicemail played without me connecting to AT$T. So this verifies that the actual voicemail is someone being pushed over to your phone. WHich explains why you can now play the voicemail in any order. (it's like playing songs like your ipod basically)
So then here's the question: DO we still get charged for listening to the message itself?
ON a traditional cell phone everytime you listen to a voicemail message you lose airtime according to how long you listen to that message. No with the iphone things are different. Voicemails are storage on the handset and not located at at&t.
Based on what i am reading there are two parts to the visual voicemail. 1.) the actual service that is "pushing" the voice messages to the iphone and 2.) listening to the messages
Since the message is already on the iphone there is no way for at&t track how many times or how long you've been listening to your voicemail.
So 2 things can happen. 1.) the visual voicemail plan actually covers the whole thing. Listening to messages on the phone and the service that does the pushing.
or 2.) as someone earlier posted, you still get charged for voicemail. It's charged before it's been pushed to your phone. So if X calls me and leaves me a 5 minute message, i will lose 5 minutes of airtime before before i even had a change to check the message.
NOw if number is true then that would suck.
Can someone verify if this is true

you don't get charged per message.
There's a flat rate fee for the visual voicemail service that is included in the $20/month iPhone data plan.
The information gets sent via the Edge network to your phone, where it is stored until you delete it.

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