Correct. That is true of any US plan that I know of. (There may be an obscure MVNO somewhere that has structured a plan that has incoming free, but you can essentially assume that any US plan will mean that incoming calls as well as outgoing come out of that minute allowance.) Of course, with unlimited nights and weekends, this is less of a problem, although nights don't start until 9pm with ATT (and they end at 7am).

I never have a problem with this, but for some folks the transition could be an issue I guess.