The Disney Collection options must be reserved by contacting Member Services. The $95 fee does not apply to campsites, but remember that you may not use points to reserve the campsites unless they were purchased directly from Disney, or if purchased via resale, purchased prior to 3/21/2011.
From the Members' Website info for the cabins:
Know Before You Book
- A non-refundable $95 transaction fee applies per confirmed Disney Collection reservation (excluding Disneyland Resort in California, and the campsites at Disney's Fort Wilderness Resort & Campground in Florida). If payment is not received at the time of confirmation, Disney Vacation Club reserves the right to cancel the reservation.
The Rule of Four Applies
Disney Collection reservations must be made prior to the last 4 months of your Use Year for stays during that Use Year.