Our kits include the pattern and the fabric needed to make that project. What is not included is your batting and backing. Some kits include the binding and will be noted with those kits.
Panels are often called "cheater quilts" since you can easily just layer a panel with batting & backing, do some machine quilting, and voila - a quilt is born. Panels are generally range in 24" to 36" wide by 42" high.