Then what is the premium & platinum plan? I must never have heard of them?
There are a total of 4 different packages.
1) Regular Dining Plan - 1 TS, 1 CS, 1 Snack. On the TS, you get a choice of entree and dessert. This plan differentiates between regular TS restaurants and signature restaurants. The signature count as 2 credits.
2) Deluxe Dining Plan - 3 meal credits per day, 2 snacks, and a refillable mug. These credits can be used anyway you would like to use them and includes an appetizer. This plan also differentiates between regular TS and Signature restaurants, so if you eat at a signature restaurant, it will use 2 of the 3 credits.
3) Premium Plan - The premium plan is similar to the deluxe with the exception of a few differences. This is that you get 3 meals per day and not credits. These can be used anywhere except Victoria and Albert's. It also includes Fulton's Crab House which is not a restaurant you can use the other 2 plans on. You could do CRT for breakfast, Hollywood Brown Derby for lunch and California Grill for dinner and it would not matter. This package also includes most recreation.
4) Platinum Plan - In addition to the stuff listed for the Premium Plan, you now get to choose Victoria and Albert's. You also get a massage and special seating at Wishes, Illuminations, and Fantasmic. You also get a special fireworks cruise. On the premium plan, the kids get unlimited access to the children's activity centers and the platinum has this as well as in room babysitting.
Hope this helps.