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If it's 5 years old you should start having it inspected every year regardless of the warranty. My guy charges $200 for both furnaces. One year he found a mouse nest clogging about half the air intake and a few years later found a cracked heat exchanger. You DO NOT want to be using a furnace with a cracked heat exchanger.
I don't know what your warranty would cover or if it would be cheaper to have another outfit to do the inspection. You need to get a copy of it if you don't have one and see if the warranty covers enough to make it worthwhile to pay the extra, if any.
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