all level#1 content separate from free member

first off, i would like to say sorry for asking the same question that has been asked many times before. I’m a total rookie and gotten myself completely confused. I have a social networking site with 2 membership levels,free and level one paid. I’m using buddypress which has it’s own sign up page, and members are automatically assigned a home page after sign up. Do i need to create level#1 members pages? or is this done automatically after they go through pay pal. Also, what about groups, forums, or any other content within the paid groups area. Do i need to create group level#1 pages. Or could i simply put /premium-members/ in the uri’s that require level#1 or higher, and that would protect everything in level#1….. also,,If someone in the level#1 wanted to communicate with someone in the free member area, is that possible?