John, even if you have fiber to the side of your house, but you are just paying for basic phone service, all you will get is 56k service. To get high speed service you will need special equipment from your phone company and you will need to pay extra for it. Depending on which vendor they are using will determine what you need for an internet receiver.
ISPs base their prices on what speeds you are paying for, not on whether you have fiber to your door.