Go to http://support.apple.com/kb/index?page=servicefaq&geo=United_States&product=iphone
Click on Warranty & Service Pricing, then "My iPhone is not eligible for warranty service. What are my service options?"
There's a bit of wiggle room though, no telling how it will be interpreted/applied in the future:
I wonder if this includes a lost or stolen iPhone. The representative that I talk to on the phone said that the out of warranty service fee covered stolen phones, however I don't see that on their website.