There is a lot of good, general information in the article. As with anything, the homeowner should do their due diligence in getting enough information to make an educated decision. Should duct-work be cleaned? YES! Does it need to be cleaned annually or even every second or third year? Not necessarily. It all depends on a bunch of variables. You're right that a well designed and balanced system will deliver the right amount of air flow, but sometimes conditions outside the home/business, make it a necessity to get the ducts cleaned. As for mold? NO filter is going to address a mold issue. If you have mold, you have a moisture issue that needs to be addressed. Also, in my 38 years of experience in the HVAC and sheet metal industries, washable filters are one of the reasons ducts need to be cleaned. They are no where near efficient in cleaning/filtering the air to the level that they should.
Hi guys if your not convinced yet that duct cleaning is a waste of time. I’m a HVAC business owner install heaters and air conditioners. Simple facts if you have an old system get a new return air fitted with a filter it will catch all the dirt and dust. If you still have as many do black flecks and stuff coming through it is the lining inside your ducting that has perished. So somewhere you have a hole or very old ducting. If you had rats etc its a hole somewhere. To clean, stick your vacuum in the outlet and push the hose as far as it will go this gets 99% of toys and coins fur and alike. Think about it if the object is not heavy it will come out the duct when unit is on. Service the heaters or air con units but not the ducting. I would go further to say that duct cleaning actually damages the ducting in my opinion.
The answer to your question is most likely "Yes," but not defiitely. It depends on where the dust is coming from. Now, if your house is more than say, 12 years old then you likely do have leaks in your ducts that can let in insulation particles and dust from your attic. If this is the case then cleaning of the ducts-PROPER CLEANING, which like the article sas doess include EVERYTHING that the conditioned air passes through, such as your indoor evaporator coil and blower housing assembly-is definitely a good first step to getting that dust under control! Of course I highly recommend that you also have your ducts SEALED as well, or else you will have to repeat the cleaning some time down the line. As a 3rd step, consider an electronic air filter. I always thought they were a scam, personally, so I never bothered selling them to my clients. Then one day my manager sent me to install one for a senior couple in a mobile home. The wife had bad allergies, and her eyes were constantly watering and puffy and red. Well, I did a quality check 60 days later and she could not stop praising that air filter! Keep in mind that in a mobile home, duct seals are not as complete as those in other homes due to access issues.

Humidifiers/Dehumidifiers: Humidifiers add needed moisture to the air in winter and very dry climates. Dehumidifiers remove dampness any time of the year. Central air conditioners dehumidify too, but in very humid climates, you might want to remove humidity without also cooling the air. You have a good range of options for both of these HVAC accessories. Whole-house humidifiers cost $350 to $800 installed, while dehumidifiers are $1,250 to $2,000 or slightly more.

The performance of vapor compression refrigeration cycles[26] is limited by thermodynamics. These air conditioning and heat pump devices move heat rather than convert it from one form to another, so thermal efficiencies do not appropriately describe the performance of these devices. The Coefficient-of-Performance (COP) measures performance, but this dimensionless measure has not been adopted. Instead, the Energy Efficiency Ratio (EER) has traditionally been used to characterize the performance of many HVAC systems. EER is the Energy Efficiency Ratio based on a 35 °C (95 °F) outdoor temperature. To more accurately describe the performance of air conditioning equipment over a typical cooling season a modified version of the EER, the Seasonal Energy Efficiency Ratio (SEER), or in Europe the ESEER, is used. SEER ratings are based on seasonal temperature averages instead of a constant 35 °C (95 °F) outdoor temperature. The current industry minimum SEER rating is 14 SEER.[27][dead link]
Although most new homes have ducts and vents already in place, many older homes have old convection heating systems or baseboard heaters without ductwork. In such cases, you will need to install ducts and vents to provide the air conditioning with a flow system. This would be the time to explore upgrading the existing heating system as well, as it will be much cheaper to do together.
The use of furnaces, space heaters, and boilers as a method of indoor heating could result in incomplete combustion and the emission of carbon monoxide, nitrogen oxides, formaldehyde, volatile organic compounds, and other combustion byproducts. Incomplete combustion occurs when there is insufficient oxygen; the inputs are fuels containing various contaminants and the outputs are harmful byproducts, most dangerously carbon monoxide, which is a tasteless and odorless gas with serious adverse health effects.[14]
All of you have dentists, you have doctors, you have preachers, you have mechanics. You don’t have to know everything about everything but you have to have people in your life that you can trust. Don’t just open up the phone book and pick a mechanical (HVAC) contractor. Call your friends and family and ask for referrals. There are no black and white (scam or not a scam) answers here.
Although most new homes have ducts and vents already in place, many older homes have old convection heating systems or baseboard heaters without ductwork. In such cases, you will need to install ducts and vents to provide the air conditioning with a flow system. This would be the time to explore upgrading the existing heating system as well, as it will be much cheaper to do together.
Internal insulation provides better acoustical (noise) control. Flexible duct is very low cost. These products are engineered specifically for use in ducts or as ducts themselves, and are tested in accordance with standards established by Underwriters Laboratories (UL), the American Society for Testing and Materials (ASTM), and the National Fire Protection Association (NFPA). Many insulated duct systems have operated for years without supporting significant mold growth. Keeping them reasonably clean and dry is generally adequate. However, there is substantial debate about whether porous insulation materials (e.g., fiber glass) are more prone to microbial contamination than bare sheet metal ducts. If enough dirt and moisture are permitted to enter the duct system, there may be no significant difference in the rate or extent of microbial growth in internally lined or bare sheet metal ducts. However, treatment of mold contamination on bare sheet metal is much easier. Cleaning and treatment with an EPA-registered biocide are possible. Once fiberglass duct liner is contaminated with mold, cleaning is not sufficient to prevent re-growth and there are no EPA-registered biocides for the treatment of porous duct materials. EPA, NADCA and NAIMA all recommend the replacement of wet or moldy fiber glass duct material.
My point is that the brand of equipment you choose is going to affect your HVAC installation cost greatly. People often call us for an air conditioning installation job and say, “I would like to install Carrier equipment.” Now, if you are a future client of ours, I’ll have to warn you – I can be a bit of a smart-ass. Why can’t work be fun? Besides…I was in the Navy for 11 years, what do you expect. 
The liquid refrigerant is returned to another heat exchanger where it is allowed to evaporate, hence the heat exchanger is often called an evaporating coil or evaporator. As the liquid refrigerant evaporates it absorbs energy (heat) from the inside air, returns to the compressor, and repeats the cycle. In the process, heat is absorbed from indoors and transferred outdoors, resulting in cooling of the building.
After one company just took a cursory glance at our A/C and found nothing wrong, I called HVAC. I called them mostly based on Michael W's post on 8/10/14 where he told us the owner, Alberto, took his feedback and took it SERIOUSLY. That speaks VOLUMES to anyone who has been around long enough to know the characteristics of the serious players are and those who are the wannabes.
An air conditioning system, or a standalone air conditioner, provides cooling and humidity control for all or part of a building. Air conditioned buildings often have sealed windows, because open windows would work against the system intended to maintain constant indoor air conditions. Outside, fresh air is generally drawn into the system by a vent into the indoor heat exchanger section, creating positive air pressure. The percentage of return air made up of fresh air can usually be manipulated by adjusting the opening of this vent. Typical fresh air intake is about 10%.
I own and live in a mobile home and was told to install a mobile home air condition well I did not want one because the ones for moblie homes are to small,so I install a home air-condidtion and its good for heating and cooling the only thing I do is change is the filter every month or two,What I want to know is how does dirt and dust comes from????
An important component of natural ventilation is air change rate or air changes per hour: the hourly rate of ventilation divided by the volume of the space. For example, six air changes per hour means an amount of new air, equal to the volume of the space, is added every ten minutes. For human comfort, a minimum of four air changes per hour is typical, though warehouses might have only two. Too high of an air change rate may be uncomfortable, akin to a wind tunnel which have thousands of changes per hour. The highest air change rates are for crowded spaces, bars, night clubs, commercial kitchens at around 30 to 50 air changes per hour.[17]
Whether or not central air adds value to your home depends on your location. You probably won't recoup the entire cost for the installation, as it is an expensive project that isn't as flashy as something like a new deck. But this invisible upgrade can help you sell your home if you live in a hot climate. And many buyers are willing to pay a bit more for a working AC.
Simply living in your home creates dust and dirt. Have you ever seen dust floating in the air in your home when the sun shines in?  Dust, dirt, pet dander, mold spores, and allergens get pulled into the air handling system in your home. They build up in the ductwork; some of it gets recirculated back into your home, and some of it can be captured by a good quality air filter. Eventually, enough debris builds up to the point where most of it blows back into your home. Your furnace or air conditioner must run longer to cool or heat your home, which costs you more in utility bills. With a service call from Sears Air Duct Cleaning, you can feel comfortable knowing that the accumulation of dust, dirt, dander, mold, and allergens has been cleaned from your HVAC duct system.
At the state level the rebates are still substantial. For example, switching to a zoned system can get you a $100 rebate from various A/C companies, and state rebates are also included. In Pennsylvania a high-efficiency air conditioner alone can get you up to $300, and a high-efficiency complete HVAC system can see up to $1000. Maryland's incentives get up to $1,250, with a $100 rebate on a tune up of an existing system.
R-22 Freon is being phased out & isn't readily available. So the service company may only purchase as needed and the lack of availability would make their cost high. But, as long as they can get it, whatever the cost, unfortunately, is less expensive than replacing the A/C. Which will be the case eventually since it's no longer manufactured or sooner as in my case with a not so old a/c that sprang a leak, that would have been just a repair, but since it uses R-22 the whole unit has to be upgraded(replaced).  
In modern buildings, the design, installation, and control systems of these functions are integrated into one or more HVAC systems. For very small buildings, contractors normally estimate the capacity and type of system needed and then design the system, selecting the appropriate refrigerant and various components needed. For larger buildings, building service designers, mechanical engineers, or building services engineers analyze, design, and specify the HVAC systems. Specialty mechanical contractors then fabricate and commission the systems. Building permits and code-compliance inspections of the installations are normally required for all sizes of building.
Duct cleaning has never been shown to actually prevent health problems. Neither do studies conclusively demonstrate that particle (e.g., dust) levels in homes increase because of dirty air ducts. This is because much of the dirt in air ducts adheres to duct surfaces and does not necessarily enter the living space. It is important to keep in mind that dirty air ducts are only one of many possible sources of particles that are present in homes. Pollutants that enter the home both from outdoors and indoor activities such as cooking, cleaning, smoking, or just moving around can cause greater exposure to contaminants than dirty air ducts. Moreover, there is no evidence that a light amount of household dust or other particulate matter in air ducts poses any risk to your health.