Reinforcing mesh with subsequent spackling - that's the right way to do it. Just filling in the crack won't help, especially if your house is actually settling: the spackling will just crack again. You need to open up the crack, lay down drywall tape (a special mesh tape), then apply a layer of spackling compound, let it dry, sand it, and apply a finish coat.
The key thing is don't skimp on prep work. If the cracks are along the seams, chances are the drywall wasn't installed properly in the first place or the seams weren't sealed right. Before you put down the mesh, check if there are any voids under the drywall - tap on it, and if it sounds hollow, that's a problem. If your ceiling really keeps moving from settling, that's actually a major issue, and using caulk between the sheets might help as a precaution, but there's no guarantee.