Room Air Conditioners…

The furnace is only 80% efficient and the air conditioner is rated at a 13 seer. I’m pretty sure I already know the answer to this question, but want to double check just to make sure. From what I’ve found the furnace has to be 95% and the air conditioner has to have a seer rating of 15. My other question though is would the duct work qualify for the insulation credit? Any suggestions would be appreciated.