Yes, bluetooth is a separate component. It sounds like you do not have the "Telephone" option on your nav screen. If not, you definitely do not have BT. Most US cars (prior to Assist) did not come with BT, but they are all pre-wired for BT, and it is easy to install.

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2000 E38 750iL Highline Edition, Upgraded with the lastest 2006 X5 Electronics
MKIV Navigation, 16:9 Display, Bluetooth, TV/Video with Backup Camera, Sirius, and Aux Input