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Many top shelf contract cell phone plan providers offer a family plan that gives a discount to additional phone service for your family members. Unfortunately, these plans can cost quite a bit more than you expect if you aren't careful with what you choose.

Some family plans don't automatically assign extra minutes or text options and instead leave these as choices you are supposed to set up when you start. Skipping options you need can lead to quite a shock on the first family cell phone bill. Read the family plan information and optional services carefully when you get started.

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