Not too difficult to get out using a bar as a drift through the hub, a bit of heat on the hub before replacing them helps too. But if you're not sure I wouldn't think a dealer would charge much to do it, especially if you just take the wheel.
Also with the wheel off it is usually easy to tell if the bearings are shot.
One other possibility, are the pads moving freely in the caliper - is the disc hot when this happens.