Am I still using my data plan if I am connected to my Home WiFi on my Iphone 4?

If I had to guess, I would assume that your Wi-Fi connection is not being picked up well by your phone. If it notices that the Wi-FI cuts out, or is very slow, it will revert back to the cellular data, even when there is a Wi-Fi connection available. Turning off the cellular data, as you did, when trying to make sure you use Wi-Fi is an excellent solution, and most likely the only one you'll be able to get.

Although, I might would check your Wi-Fi router, and see if it runs WEP security. If you are using WEP for your password, the iPhone will kick out of the Wi-Fi connection from time to time. Changing WEP to WPA will help with many connection issues.

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