I don't think it does. The last time I checked, they charged $50 for a filter. I would rather buy my filters from Amazon. Also, I don't have an HVAC service plan.

Filters are extra very expensive 2x’s compared to Amazon.
Just like cabin filters for your vehicle, premium filter 2 pack $15.00 dealer price $25 for one.
We had an emergency water discharge safety switch fail Munn’s wanted to charge $125 fortunately the technician did not have it with him checking Amazon $15.
Your paying for convenience.
Since you just had unit installed you may receive complimentary filter on 6 month's check my brother-in-law did.

I don't know how much Munn's charges for a service plan, but your new unit probably has a 5-year labor and 10-year materials warranty. You can maintain the unit yourself by adding vinegar to the condensate line, and changing the filters. You can skip the service plan and save money. If the system fails, you are covered by the warranty. I never pay for a service plan.

I was told not to use vinegar, use dawn dish detergent vinegar is acidic if it backs up it will destroy the coils

Actually, Munn's recommends hot water only. I have a rubber device that connects to a garden hose and flushes out the line better than anything I have tried. It's called a DrainKing and is available on Amazon. Those who recommend vinegar say you should only add about one quarter cup or so about every month.

Another fan of Filterbuy here ! After using filters from the big box stores, etc. we found this fantastic Alabama company near Talladega. We order direct from them, not Amazon, and their customer service and speed (get ours the 2nd day after we order) are over expectations. All USA made, super customer service, exceptional quality and the prices are the best we ever found.

Another fan of Filterbuy here ! After using filters from the big box stores, etc. we found this fantastic Alabama company near Talladega. We order direct from them, not Amazon, and their customer service and speed (get ours the 2nd day after we order) are over expectations. All USA made, super customer service, exceptional quality and the prices are the best we ever found. We found their MERV 11 to be of very high quality and the best choice for us. Still thank our friends from Alabama who told us about this company. As an aside to your comment on "Carrier brand a rip off", another example of how fear is used as a weapon, especially in The Villages, but everywhere also. Off topic, but found same "fear" mongering concerning an Epson ink tank printer we purchased. This was a great purchase as it prints FOREVER on one tank filling. But.... the "warnings" about not purchasing genuine Epson brand ink proved completely false. Found very high quality ink company on line, not from China, very high quality prints, and half the cost of Epson brand with no loss of quality. Just sayin', fear is a powerful motivator to drive sales in many (most ?) cases !

We have one also, thinking about 2 years for payback. Reminds me tomorrow is washing day