Normally a wheel bearing hum or rumble will change in intensity depending on whether the bearing is loaded or unloaded...this can be tested at slower speeds (on a clear road) by weaving from side to side to load the bearing races.
If its a manual transmission then the hum/whine of worn mainshaft bearings will increase/decrease slightly depending on engine gearbox load (on/off throttle, ) diff bearings are more easy to detect1 as bearing whine just increases in frequency as speed does, no matter what gear.
If its an auto transmission then failing differential bearing sounds would be detectable the same way as above, although other shaft bearings may be harder to detect, its likely that a main dealer tech may have more experience in detecting the signs of transmission bearing failure as they're more likely to have heard/repaired them before, and will also know of any product recalls relating to bearing failure etc.