HT4528 Do I have to have an upgrade, or can I just buy the phone at an apple store and activate it at Verizon?

I really want to know if I can just go to an apple store, pay $199 for the iPhone 5. Then, go to Verizonn and get it acitvated or switched? I'm just trying to work the system.
What will be the flat price with no upgrade for it at Verizon vs. Apple Store?

The $199 price is only for customers signing a new 2yr contract or those that qualify for an upgrade.
If you do not qualify for an upgrade, the price is $649 for the 16GB iPhone5.

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