No, you don't have to be in a payed tier to listen to the radio stations. If you don't have either iTunes Match or Apple Music you can still listen to the radio stations with a few restrictions. You'll have a small number of song skips available, and there will be ads every so often in between songs. As a personal aside: If I have to hear Progressive Insurance's Flo sing one more time....well, she'd make a great alarm wake up tone! Or something.