Changing the rear bearings is a big job. I've noticed that I can hear the bearings on my car also, but I've put 25,000 miles on them since I noticed. They weren't loose then and aren't now. They're not tapered roller bearings like in the front, they're ball bearings, which tend to be looser and noisier in general, in my limited experience. You might think twice before replacing.
But if you do, here's a good reference - http://atlanticz.ca/zclub/techtips/rearwheelbearings/index.html