I think we either pay $20 or $25 a month for a service plan with Service Legends so that's $240-$275 I think. Had both the Furnace and AC replaced by them which is why I have kept current on the service plan as it comes with a lot of warranties and guarantees if you get the inspections done every year. I think it's worth it as the last thing you want it to be waiting on service on an extreme hot or cold day and being on a long waiting list because you don't have a plan with an HVAC company. We had a problem with the AC one year when I was out of town and my wife was home with our newborn on a really hot day. She called it in first thing in the morning when she knew something wasn't working right and they were out within 3 hours. Found that the tech that had done the spring AC inspection didn't put something back together right which caused the condensation drain to plug up and drain right onto the system board so they fixed it free of charge. I think our furnace install came with a lifetime guarantee on the heat exchanger and the AC with a guarantee on the compressor so if either were to fail they replace them for free. Any other repairs we get a 20% member discount on.
Yes most of these companies will try to upsell you on extra maintenance, filters, or features when they do the inspection to you just have to have some common sense on what to decline vs what actually needs to be serviced. The yearly maintenance checks are going to catch any problems that could eventually become big problems so I kind of view a service plan as an insurance policy on your HVAC. You hope you never need to use it but when you do you'll be glad you have it as a HVAC system that is not working could lead to other problems like frozen pipes if you don't get it fixed in a timely manner during a cold snap. For less than $300 a year I feel its worth it as if I can catch a potential issue before it leads to a bigger issue that could lead to money saved if it wasn't addressed soon enough.
Luckily I know guys that own their own plumbing and electrical businesses that do great work and don't screw people over on pricing and unnecessary work. I found out the hard way before I knew then what a pain in the ass it is to find a good plumber and electrician in the Des Moines area.
I will say 1 thing DO NOT use Golden Rule for anything! They are the biggest rip offs in town, my plumber used to work for them at 1 time and he left them because he couldn't stand knowingly ripping off people for work that was overpriced or unnecessary. They do a lot of advertising and you'll find out once they open their book of "upfront pricing" that something as simple as replacing a drain line they are terribly overpriced. The 1st time I ever used them was when I had a problem with the only shower in my house and I had guests staying so I needed someone out sooner than later. I can do some basic plumbing myself but the drain was so messed up on this one I got to the point I needed a plumber to come in and just replace the whole galvanized drain pipe from the drain stack with a new PVC line as well as the fittings and trap under the shower drain. Talked to another plumber friend later on and told them my story on that and he said he probably could have replaced nearly all of the drain lines in my house for what they charged me for just the 1. Moved to another house and had a problem with the tankless water heater and Golden Rule was the only company in town listed on the manufacturer's site as a company that serviced that brand. At least that tech diagnosed the problem and was honest enough to tell me I could buy the part online for around $25 and replace it myself instead of them charging me about $300 to do the same thing. Still had to pay the diagnostic fee but at least didn't get screwed over by them pressuring me to do the work.