I'm not sure of a way to tell if you have a bearing or a bushed engine other than to say contact your seller.

You would be better off changing a bushing over to a bearing BEFORE it goes, since there will be a boatload of metal crap in your engine if or when the bushing goes.

There is nothing to say your engine will grenade just because it's a bushed engine....it all depends on how it's used and maintained.