Phones that have a gps "chip" merely are capable of getting data from the satellites that are stationed above the earth. It is then up to software applications to make use of that data. It can be as simple as showing latitude and longitude and nothing more - lat/long are pretty obscure but many people were able to figure out where they were with just those two values.
More sophisticated, the software can draw maps, show you where you are located on those maps, show surrounding uses, plot a route between places. Some can "speak" and other just show visual cues. Some speak very detailed info and others just say turn in 200 feet but don't mentioned the street. All of these features are provided by the software using the data that the gps provides.
There are freeware and commercial software/programs/applications you can get.
Check out the gps subforum.