If you are looking at packaged HVAC equipment, the nameplate or the cutsheet should say either "Maximum Overcurrent Protection" or "Maximum Fuse Size".
If it says Maximum Fuse Size, you have to provide fuses, so a fused disconnect is probably required.
If it says maximum overcurrent protection, you can use a HACR breaker in the panel feeder, and omit the fuses. Assuming the fault current allows, as John M. mentioned.