How to Transfer Upgrade and not go through Verizon

I can get the Iphone 4s though Apple for $99 but it doesn't look like I can transfer an upgrade through their order process.  Is that possible or am I stuck going through Verizon and paying $50 more for the same phone?

I am in the same boat. How it's been explained concerning iPhone pre-orders to me is that on Apple (or even on the VZW site for that matter) you pre-order using the line information that's eligible for the upgrade. Pre-ordering at the upgrade price will extend that line's  line for another 2 years. Then, once the phone comes in, you simply activate it on your line. With that said, your line will actually not have an extended contract and your line will be eligible for an upgrade same as before.
My case: My line isn't eligible for an upgrade until 10/20. My mom's line has been eligible since 8/28.  I pre-ordered using her line's information, essentially extending her line's contract for another two years to receive the discounted subsidized pricing.  Once I get the phone, I'm activating it on my line.  However, I could utilize my upgrade on 10/20 to purchase another discounted phone (iPhone 5 or otherwise) and thereby extend my line's contract for another two years or just not utilize the upgrade at all yet.
TL;DR: The contract and upgrade discount follows the line. The phones are entirely transferable to another line on your account. Hope that helps.

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