I am NADCA Certified Air Systems Cleaning Specialist. Over the year I have learned on simple answer to this questions: there air duct cleaners and there are pretenders. There will be no benefit at all if you use on the very cheap pretender because they will not really clean anything. On the other hand if you call a qualified air duct cleaner with a NADCA Certification you will, like 99% of my customers, report improvement with your respiratory problems, you will see less dust and the job will pay for itself with energy savings and repair prevention.
As a homeowner and an owner of rental property I can tell you that the air ducts sometimes need to be cleaned. If you have had pets or anyone smoking in your home (even a visitor) for any length of time, having the ducts cleaned is really good idea. I had a tenant who did not smoke, but got married to a smoker more than year after moving in. When I realized someone was smoking I had them move out, but the smell was awful. I had the ducts cleaned and sanitized (it was a bit extra). The ducts were shiny like new afterwards. I left the windows open for a few days and we cleaned the place super clean and then replaced the carpets. The duct cleaning was worth every penny because the house looked, smelled, and felt new afterward. I plan to have my own house ducts cleaned again this year as we have two cats. We had them cleaned about 12 years ago and they found building materials in the ducts! If you move into a house that has never had them cleaned, it is good to do it. If you have allergies, clean the ducts to see if it helps. You never know what is in your ducts if you have never had them cleaned.
Air duct cleaning service providers may tell you that they need to apply a chemical biocide to the inside of your ducts to kill bacteria (germs) and fungi (mold), and prevent future biological growth. Some duct cleaning service providers may propose to introduce ozone to kill biological contaminants. Ozone is a highly reactive gas that is regulated in the outside air as a lung irritant. However, there remains considerable controversy over the necessity and wisdom of introducing chemical biocides or ozone into the duct work.
You may consider having your air ducts cleaned simply because it seems logical that air ducts will get dirty over time and should be occasionally cleaned. Provided that the cleaning is done properly, no evidence suggests that such cleaning would be detrimental. EPA does not recommend that the air ducts be cleaned routinely, but only as needed. EPA does, however, recommend that if you have a fuel burning furnace, stove or fireplace, they be inspected for proper functioning and serviced before each heating season to protect against carbon monoxide poisoning.