At Boston College, their application has a checkbox where you indicate whether you'd like to be considered for the MA instead if you're rejected from the PhD program. It seems to really streamline the process (though BC doesn't fund master's students).
I'm also wondering: if you (or I) already have a master's in a slightly different field (for me, MA in Religion with a concentration in philosophy of religion), is it unwise to go for the second master's in philosophy?