I'm interested in hooking a mobile up through the radio, but wonder how the mic portion works? Also are the 04 9-5 bluetooth enabled? If they are how might a phone from nokia or sonyericsson work? US requirements as well.

No bluetooth on 9-5's.

http://www.saab9-5.com/howto/phone.htm
Phone kit install instructions there, although later models use a slightly different plug.. instructions soon.