Be careful about changing the MERV rating on your A/C filter as this can alter the airflow. As for testing, I had this done back up North on a house with a crawlspace, cost was about $400, results were I needed an EPA level cleaning of this area. The new owners got a really expensive certificate of how clean it was when the guts in the moon suits left!! This was a mid 60's house located in an area that really should not have had a crawlspace vented to the outside. I would expect similar costs here, and the testing company should provide specific information on remediation if necessary. I can not provide any references in the villages area for this type of work.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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