Quote . "I am guessing it depends upon the size of the quilt and the complexity of the FMQ design used? My top is 95" x 95", and I think a simple swirl FMQ pattern."
Well you are right on both accounts Jeannie. Also you need to take into account the batting and backing cost and whether or not it is a specialty thread you desire it quilted with. Most quilter's web sites have listed as to what different services are and the additional cost.
Then if you are mailing it off the post office will get their share too.
I would think about all this before contacting the quilter and have ready your answers. They are super busy and every customer is important. Some great quilter's are backed up for a year! I would ask the turn around time, for sure!