There are many interesting comments from several informed individuals. The question that has not been answered is how do duct systems get dusty and dirty? As a RESNET Home Energy Rater, I perform pressure tests on homes and duct systems, and the one common thread is . . . most air delivery sytems have large amounts of air leakage. The solution is to seal the duct system, and pay particular attention to the return duct system and ductwork near the air handler (the 'blower'). As others have said, a captive (sealed) duct system with proper filter maintenance should be more then adequate for most occupants. For those who have allergy, asthma, or other breathing problems, a filter with a higher MERV rating (number should be listed on the package) or a HEPA filter are good choices. These filters will capture smaller particulates and should improve the indoor air quality. Again, make certain that the entire duct system is sealed, preferably with mastic, second choice UL-181 foil tape - never use cloth duct (also known as duck) tape.
McMahon's Cleaning & Restoration, LLC provides healthy improvements for your home or business. Our certified professionals specialize in air duct cleanings to increase air flow and improve the quality of the air your family breathes. We provide clean air certification for homes with past or current mold/fungi issues (including black mold). We restore smoke, fire, and flood damaged homes. We also offer chimney sweep services and inspections to ensure safe usage of your fireplace, wood stove or insert. Since 1999, we've been working with the community to better homes, industrial sites and commercial environments.

When water damage strikes, you need to act quickly. Time is of the essence. We're available 24/7 to dispatch trained, certified crews, equipment and inspection tools specializing in water damage. With our national footprint and large coverage areas throughout the country we will arrive on site and begin work quickly, minimizing the damage to your home. 
Installation: The old furnace is disconnected from the ductwork plenum, exhaust flue, gas and electrical hookups. In most cases, a new plenum must be made onsite or ordered from a local sheet metal fabricator. A new vent might be required too. The furnace is set and reconnected. Adjustments to the blower fan speed and burner are made to optimize furnace performance for your home and climate.

Pro HVAC company Southern Comfort Mechanical says on its blog, “If there’s mold growth inside the handler due to excess moisture, algae in the condenser drain line or a dirty evaporator coil, it can negatively impact your AC unit’s efficiency. The filters inside may also build up excess dirt and become clogged, which will also make your AC [or heat pump] waste energy trying to sustain the cool climate inside your home.” These issues are easy to solve. They don’t require replacing the air handler.
"Customer service was great, and the price was in-line with other places, and fast service. We had a whole replacement of the outside and inside. I would have liked to see a better install for the furnace and new thermostat - the new thermostat should have gone where the old one was, and even tho the new furnace was a tight fit, they didn't offer to come back and repair the case molding, or give me a discount on the damage done, and I believe they should have put a disconnect box on the outside of the home, to make it easier for any future repairs needed. Other than that, am very happy with the cooling and heating!"
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