This is taken verbatim from Apple Online: "For those who are not qualified customers, are not eligible for an early upgrade, are purchasing an unlocked iPhone (for supported GSM wireless service provider networks only), or wish to buy an iPhone as a gift, see your carrier, an Apple Retail Store Specialist, the
Apple Online Store, or an Apple Authorized Reseller for pricing."
I *suppose* you simply go through the motion of ordering and at some point it will be determined if you qualify for a subsidized rate or not and you will be charged accordingly. Just to be sure, why don't you call 1-800-MY-APPLE.