buying a refurb black berry from att?

KuyaDe

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K guys, my current phone sucks, and I am thinking of getting this black berry, first of all what is refurb? is it used and they fixed it? can I get insurance for it? and lastly is it true I have to pay extra for the plan for the blackberry? I dont want internet on it, I just want my current plan that is 65 a month. Thanks.
http://www.wireless.att.com/cell-phone-service/cell-phone-details/?device=BlackBerry%C2%AE+Curve+8310+-+Titanium+(Refurb)&q_sku=sku1160076
 
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