I've never understood this. How does moisture in the ground turn to vapor and then penetrate concrete? Since every building should be on a pad slightly higher then the land surrounding it so rain water flows away from the building, if there was moisture in the soil under the slab, why wouldn't it travel the path of least resistance and work it's way sideways instead of against gravity and through solid concrete?
My understanding for the reason to use plastic under a slab, also called a vapor barrier, is to stop the moisture in the bottom part of the wet concrete from soaking into the ground resulting in an uneven curing process of the slab. This is only needed in soils that absorb moisture, or drain it. If you pour over gravel or on sand you would want plastic to keep the moisture in the concrete. If you are pouring on clay, there is no need for this.
Having said that, there is no harm in spending the extra money for plastic under your concrete if it makes you feel better.
Moisture seen on top of concrete is from condensation in the air.