I have used two different LA'ers. One had an invoice type contract that laid out panto selection, thread, size of quilt x price per square inch. The other charges only by the square inch and in all honesty, is much more reasonable while giving the same type of result. Unfortunately, the more reasonable quilter is a great distance from me and I can only use her services when I visit my family.
However, I would think that loading or unloading the frame is integral to the quilting process and I don't think there should be an extra charge for it--kind of like full service gas stations cleaning your windows and then expecting you to pay for it.