Before you join a health and fitness club, be realistic about what activities
you are likely to participate in and how often youll use it. If you have
never exercised before, or havent exercised for a long time, question
whether you will be able to stick with a new fitness regimen. Most people
who join clubs stop using them after only a few months. Since many clubs
charge nonrefundable initiation fees, youll waste a lot of money if you
If you still want to join up, this article will help you choose a club.
Our Ratings Tables list ratings of area fitness centers based on quality
and price, and offer details on available facilities, activities, and amenities.
Some quick advice:
Weigh all your options. Can you get exercise less expensively some other
wayfor example, by doing pushups and situps, running, biking, or joining
a sports team or exercise class? Also check out fitness centers operated
by local governments; many operate less expensive fitness club-like facilities.
Shop around. Youll find that some clubs charge twice as much as their
competitors for about the same facilities and amenities. Because many clubs
have several fee plans and discount optionsand may offer the best deals
only if its absolutely necessary to close a salemake sure the sales staff
offers you the best available rates. When discussing costs, mention other
clubs youre considering. And check whether you qualify for a discount
based on an arrangement between the facility and your employer or health
insurance plan. In particular, many Medicare Advantage policyholders have
access to programs that offer free or very low-cost memberships at participating
Ask whether a membership youre considering includes a time commitment.
If youve never joined a fitness facility, test both your determination
to exercise and the club by taking a short-term or month-to-month option.
Before signing on the dotted line, find out the rules for canceling and
freezing the membership.
Request a guest pass to try out any club you are considering. While there,
check out the cleanliness and condition of equipment. Use your pass at
a time when youre most likely to exercise regularly so you can see how
crowded it gets and judge how helpful the staff is.
Have sales staff put promises in writing. If a salesperson has said you
can cancel your membership at any time, make sure it says as much in the
contract. If the salesperson says the facility is about to break ground
on a new lap pool, dont believe it unless its written down.
We are bombarded with images of perfect bodies in prime physical condition
in ads for everything from beer to sugary sodas to soap: firm, toned, and
beautiful. But Madison Avenue didnt invent the appeal of physical fitness.
Medical experts uniformly agree that regular exercise, coupled with a balanced
and modest diet, is key to longer, healthier, and more satisfying lives.
There are a lot of ways to get in shape and stay in shape. Even small efforts
help: Take the stairs instead of the elevator; park at the far end of the
lot; take a walk before or after dinner. A lot of newly fitness-inspired
people join health and fitness clubs, believing that the facilitiesand
the financial commitment of membershipmay finally supply the motivations
they need to get fit and stay fit.
If you are thinking of joining a health and fitness club, know upfront
that the fitness industry thrives on good intentions. Most people who join
clubs stop using them after only a few months. Since many clubs charge
nonrefundable initiation fees, you can waste a lot of money if you quit.
Compare the costs of joining a club to the many other fitness options,
which are discussed in this article.
Be prepared to make a number of decisions. There are many clubs in the
area from which to choose, each likely to offer several membership options.
And because sales staff at some clubs use high-pressure and deceptive sales
tactics to close deals, its not always easy to make the right choices.
Membership at many clubs doesnt come cheap. Although some bare-bones gyms
charge less than $300 a year, many charge more than $600 per person for
the first year, including initiation fees. Want a club that offers racquet
sports or a wide range of facilities and amenities? Expect to pay a lot
While amenities and services vary from facility to facility, large price
differences exist among clubs with roughly the same basic features. If
youre just interested in fitness equipment and group exercise classes,
a single membership that provides unlimited access to all facilities for
one year costs, at the time of our last full, published article, $277 at
Fitness 19; at the Life Time Fitness in St. Paul youll pay $807. If you
want to swim indoors, a three-year couples membership costs $2,255 at
LA Fitness; at the Life Time Fitness on Prairie Center Drive in Eden Prairie,
youll pay $7,719.
This article will help you sort through those options and, if you decide
that a health and fitness club is the best way to go, help you get what
you want at the best available price.
If you dont currently exercise on a regular basis, or want to increase
your fitness regimen, first formulate a plan. For most people, beginning
a drastically new exercise routine is akin to quitting a bad habit: Making
a doable plan increases your chance of success. Your plan should include
realistic fitness goals, a list of exercises for achieving those goals,
an exercise schedule, and a list of reasons to keep you motivated. (If
you are older than 40, check with a physician before beginning any program
of increased exercise.)
Obviously you have a better chance of changing your habits if you enjoy
what youre doing. Although some individuals endure a few months of agony
before they start to enjoy exercise for its own sake, its easier if you
like it from the start. It helps if your new exercise regimen includes
opportunities to see friends or meet new people. So does an attractive
facility. And it certainly helps if you look forward to playing a sport
you enjoy, rather than pedaling in place or pushing and pulling on a machine.
Before joining a club, think about your own motivations and interestsand
consider alternatives. Many consumers pay fitness clubs a lot of money
for activities available more cheaply elsewhere.
In fact, most people can save money and meet all their fitness and recreation
needs without joining private fitness clubs. You can do pushups, situps,
and many other exercises at home for free. Walking, running, and biking
are very inexpensive. A regular soccer or basketball game at a nearby park
is not only inexpensive but probably a lot more fun than lugging weights
around a smelly gym. For a one-time investment of a few hundred dollars,
you can buy various types of home exercise equipment.
Local governments offer exercise facilities and programs. Recreation centers
and local parks have cardiovascular fitness equipment, weightlifting rooms,
tennis courts, swimming pools, aerobics classes, basketball courts, sports
leagues, and much moreall free or much cheaper than comparably equipped
private health clubs.
For example, the Chaska Community Center offers a fitness center, indoor
pool, indoor track, gymnasium, ice arenas, and a wide range of group exercise
classes. A one-year pass for adults costs $338 for residents and $482 for
nonresidents. Senior (ages 55 and up) and youth residents pay $249 per
year. Monthly and daily passes are available, as well as family passes.
Minnetonkas Williston Fitness Center offers facilities comparable to those
at the best-equipped private health clubs: fitness room with cardio and
strength equipment, five indoor tennis courts, indoor pool, and group exercise
classes. A one-year pass for adults costs $439 for residents and $555 for
nonresidents. Senior residents pay $310 per year ($387 per year for senior
The St. Paul Parks and Recreation Department operates 11 recreation centers
with fitness facilities, five with indoor tracks, and the Oxford Community
Center has an indoor pool. The fee for adults is $3 per visit (or $1 per
day to use a walking track). Adults who live or work in St. Paul can purchase
a fitness center membership, which includes access to fitness centers and
walking tracks, for just $30 per year ($60 per year for nonresidents).
Swim at the Great River Water Park (at Oxford Community Center) for $6
Below we list all local government-run recreation centers with at least
a weight room/fitness center and/or an indoor swimming pool. Almost all
allow use of exercise facilitieswithout requiring a term commitmentfor
prices well below those at even the least expensive private health clubs
with comparable facilities.
Even if you expect to eventually join a private health and fitness club,
spend a few months trying the alternatives. That will give you a better
idea as to whether you really are likely to stick it out at a club and
which activities and facilities matter to you.
When considering a club, youll want to consider several points, including
what its members say about it, its location, membership fees, contract
terms, facilities and equipment, classes, and amenities. Our Ratings Tables include many of these details for area facilities.
Our Ratings Tables report ratings of the facilities by their customers.
We surveyed area consumers (primarily CHECKBOOK and Consumer Reports subscribers)
and asked them to rate health and fitness centers they had used inferior,
adequate, or superior on the following aspects of service quality
Quality/maintenance of facilities and equipment
Adequacy of facilities/equipment for demand
Quality of instruction
Availability/convenience of organized group activities
Friendliness of staff
Providing what the sales staff promised
Overall value for your money
For facilities in the Twin Cities area that received at least 10 ratings,
our Ratings Tables show the percent of each clubs surveyed customers
who rated it superior (as opposed to adequate or inferior) on each
survey question. (Click here for further
discussion of our customer survey and other research methods.)
Although several clubs rate quite high on all survey measures, we receive
scads of complaints about many other facilities, as evidenced by the ratings
shown for them on our Ratings Tables. The most common complaints relate
to lousy facilities and equipment, and indifferent customer service.
For firms that were evaluated in our last full, published article, our
Ratings Tables also show counts of complaints we gathered from the
Better Business Bureau (BBB) for a recent three-year period. For more information
on reported complaint counts, click here.
Before joining any club, take a tour and ask questions. Most clubs provide
prospective customers with free guest passes; be sure to take advantage
of these offers.
When trying out a club, ask members what they like and dont like about
the club, and consider the following questions.
Is the location convenient?
If you cant easily get to the facility, youre not likely to use it. Consider
only facilities close to your home or workplace, depending on when you
plan to work out. Most chains offer memberships that allow you to use several
Is it open when you need it?
Check hours of operation. For early workouts, most open by 6 a.m. on weekdays
but not until 7, 8, or 9 a.m. on weekends. In the evening, most are open
until at least 10 p.m., but a few close as early as 9 p.m. Also check hours
of the specific facilities you expect to use; for example, the tennis courts
may be open until midnight while the weight room closes at 10 p.m. and
all aerobics classes end by 9 p.m. If youre interested in specific classes,
make sure theyre offered when you can attend them.
Does it have the facilities and amenities you want?
Check whether the club has the types of facilities and equipment you plan
to use. Our Ratings Tables list this information for the facilities
weve evaluated. All facilities listed on our Ratings Tables offer
some form of weight training. Many also have racquetball or squash courts,
but indoor pools, tennis courts, basketball courts, and indoor tracks are
less widely available. The table also indicates whether facilities have
such features as saunas, Jacuzzis, showers, towel service, and lockers.
Remember that our Ratings Tables say nothing about the size or quality
of what is offered: One clubs pool might be barely bigger than another
clubs hot tub.
Does stuff work?
Even if a club offers all the facilities and equipment you want to use,
they wont do you much good if theyre poorly maintained. Our Ratings Tables report how surveyed customers rated clubs for quality/maintenance
of facilities and equipment. Some clubs received superior ratings on
this question from more than 80 percent of their surveyed customers, while
others were rated superior by fewer than 30 percent.
Does it offer the classes and activities you want?
Our Ratings Tables indicate the variety of classes and activities offered
by the rated clubs, including aerobics, yoga, group cycling, and dance.
You can check the clubs schedule of classes for the current period to
see how often these activities really are available, but that wont tell
you how quickly classes fill up. To provide greater insight on the availability
of activities, our Ratings Tables report ratings on our survey question
availability/convenience of organized group activities.
Is it crowded?
Good facilities and equipment wont do you much good if you cant use them.
Our Ratings Tables show ratings on adequacy of facilities/equipment
for demand. When trying out a club, visit it during the time you are most
likely to use it, and check whether there are waits for equipment, find
out how and when to reserve court time, check sign-up rosters for courts
to see how full they are, and ask club members whether crowding is a problem.
Is it clean?
Our survey asked about cleanliness; as our Ratings Tables show, clubs
scores varied widely. When you check out clubs, pay particular attention
to the state of locker rooms, showers, and swimming pools.
Does it offer childcare?
Our Ratings Tables indicate which clubs offer childcare. If youll
be toting along your tots, inspect the kids area. Is it clean and well
maintained? Are age-appropriate toys available? Are workers attentive and
caring? Are there enough workers to safely supervise the number of kids?
Do the kids seem happy? Is the area secure?
Is the staff competent and helpful?
Youll want a well-staffed clubwith good tennis pros; experienced, inspiring
class leaders; knowledgeable instructors on weights and exercise equipment;
etc. A good staff can help you progress quickly, stay motivated, and avoid
Ask how much experience various staff members have and whether they have
certificationbut be aware that there are many certification programs,
and some of them are meaningless.
Certification programs sponsored by the Aerobics and Fitness Association
of America (www.afaa.com), American College of Sports Medicine (www.acsm.org),
American Council on Exercise (www.acefitness.org), and The Cooper Institute
(www.cooperinstitute.org) are among the most respected. Although certification
through these programs may not ensure competence in every facet of exercise,
most provide a good foundation for personal trainers and fitness center
workers. Also find out whether any instructors have bachelors or graduate
degrees in physiology or related fields. In recent years the fitness industry
has become increasingly professionalized.
You can judge staff competence to some degree by observing them in action.
For example, ask weight-training instructors what kinds of activitiesand
what limitationsthey recommend for reaching specific goals, and then ask
why. Evaluate the coherence of their answers. Also make sure tennis pros,
for instance, provide students with the kind of feedback youd want.
Is the atmosphere right for you?
Different clubs have different atmospheres. Some are very attractively
decorated, others more down-to-earth. Some seem oriented toward socializing;
others provide little opportunity for mingling. At some clubs, standard
dress is come-as-you-are casual; at others, you might feel uncomfortable
arriving in jeans. Although in-person visits are the only way to find out
how a club feels to you, our surveys feedback on friendliness might
provide some enlightenment.
Although its easy to check on clubs facilities and activities, determining
which membership option is right for you could be a lot more difficult.
Some clubs refuse to provide price information over the phone. And even
when you can get the information, it can be hard to compare rates since
initiation fees, monthly charges, facilities, and many other features vary
widely. Even worse, you may be expected to make a substantial upfront financial
commitmenta high initiation fee or long-term contract that may cost a
lot even if you, like many club members, stop using a facility after a
At some clubs, an already confusing fee structure is made worse by salespersons
who try to squeeze prospective customers for everything they can get.
When our mystery shoppers called, some salespersons pushed long-term contracts
and mentioned month-to-month or less expensive options only after our shoppers
hesitated or asked about them. A common ploy is to offer a steep discount
only if you sign a membership contract that day.
In addition to allowing selective price squeezing, multiple pricing plans
open the way for other abuses. A salesperson might not quote the best prices
because he or she thinks youll use the facility too heavily, complain
too much, or wont fit in.
Another ploy is the non-discount discount. Many clubs print up membership
fee schedules with inflated prices so that they can cut the price during
the sales pitch.
The same non-discount strategy appears in advertising. While many advertised
specials truly offer lower prices, others are confusing or misleading come-ons.
Careful shopping is your best tactic. When deciding whether to sign up,
forget about the discount on the table and focus on how the clubs price
compares to prices at other clubs.
As previously noted, fees vary dramatically from club to club. Our Ratings Tables report fees for six different profiles, ranging from full access
for three months for one person to full access for three years for a couple.
Based on the fee information collected from the clubs that were evaluated
in our last full, published article, weve attempted to calculate the lowest
possible fee for each profile for each club. For the three-month user profile,
we assumed the user planned to use the club for three months and then quit.
Charges might be much higher for someone who planned on being a member
for a year but quit after three months.
When comparing fees, keep several factors in mind
Which facilities you can use. One reason for the price differences is that
some clubs offer much more than others. Evaluate the price in relation
to the facilities, equipment, and activities offered (also shown on our
Ratings Tables)especially those that you expect to take advantage
of. Some clubs offer lower fees for memberships that exclude certain features,
such as racquet sports.
Times of day. You can sometimes save money by using a club only at off-peak
Per-use fees. Some clubs, or membership options, require you to pay separately
for court time or other benefits, while others offer a broader array of
benefits for a basic fee. If you want tennis instruction, regular massages,
or other personalized services, check the clubs charges for these services.
Other clubs you can use. If you are interested in using more than one club
location, either locally or outside the area, ask for details on multi-club
use opportunities. Our Ratings Tables report whether each club offers
membership options that allow customers access to other local clubs and
has memberships that allow access to other clubs nationally (typically
through a national reciprocal use program that gives its members access
to participating clubs for a per-use guest fee).
If you are interested in using more than one club location, get a list
of participating clubs. Some clubs offer use of only one other local club,
while others let you use dozens.
If you know you will be using only one club location, mention it to membership
salespersons. Health club chains often have lower membership-rate categories
for customers who agree to limit their access to one club location.
Renewal fees. Some clubs charge lower fees for renewals after an initial
Check whether you qualify for a discounted membership rate.
Many clubs offer steep discounts for seniors. The age requirement varies
by club, with some clubs offering discounts to members age 50 and up. Keep
in mind that some clubs limit access of senior memberships to off-peak
You may also qualify for a discount through your employer. Many clubs have
agreements with employers for corporate rates typically 10 to 20 percent
lower than normal rates. If your employer doesnt have an agreement, you
may be able to foster one by recruiting coworkers to join with you. Clubs
typically extend corporate rates to employees of companies that have even
a handful of employees who are willing to sign up.
Finally, find out if your health insurance plan offers benefits for fitness
services. Many area insurers reimburse a portion of your health and fitness
club membership costs if you work out frequently, and most insurers participate
in programs that offer plan members discounts at participating clubs. And
many Medicare Advantage policyholders have access to programs that offer
free or very low-cost memberships at participating fitness centers. See
below for more information.
Once you identify clubs that have the range and quality of offerings you
want, examine the kinds of financial commitments they require.
You might expect a health and fitness club to let you use it whenever you
want for a daily fee. A $10-per-day fee, for example, adds up to $1,040
per year if you used it twice a week. In fact, YMCAs and government-operated
facilitieswhich arent out to make a profitallow such per-day payment.
But most private clubs are not so flexible. Many want to lock you in with
a substantial initiation fee, a long-term contract, or both. Thats good
for the clubs: They collect your money even if youlike most new club memberslose
interest and stop using the club. But its bad for you. Oral promises salespersons
make when pitching clubs may not be legally binding. If a club does not
meet your expectations, or its service is terrible, you still may be responsible
for paying off the contract.
Dont join a club without carefully reading its contracts fine print.
For the most part, clubs are merciless in enforcing their contracts. If
youve signed up for a year and want to quit after a week, your club may
come after you to pay for the full year. You need to examine several contract
terms to determine how much flexibility youll have.
The Marshs $200 initiation fee would seem stiff if you quit after two
months. Fortunately, most initiation fees arent so high.
A big initiation fee does more than raise the risk that youll waste your
money if you lose interest; you also risk losing all or part of the fee
if the club goes out of business. In the past several years, many clubs
have failedand many members have lost their fees.
Some clubs require you to sign up for a year or more. While most clubs
let you pay monthly fees throughout a contracts duration, others demand
the full fee for a long-term contract upfront.
Low initiation fees and the availability of month-to-month memberships
may also be signs of quality. Clubs that require no initiation fees, or
only modest ones, or offer month-to-month memberships, display confidence
that you will be satisfied enough to continue your membership.
While most clubs will not release you from a term contract or refund payments
if you quit, they will let you stop monthly payments or refund a prorated
share of annual fees if you quit because of illness or move out of the
area. Some clubs will let you off the hook for monthly fees or refund the
unused share of the annual fee in the absence of illness or injury. In
many cases, however, youll have to repay the club for any discounts received
for committing to a term or pay a cancellation fee.
For members who need to take some time off, many clubs defer monthly payments
during freeze periods. Or they may have you continue making discounted
payments on schedule but extend your membership and waive the initiation
fee when you become active again. Most clubs that allow freezes restrict
them to cases of illness or injury, pregnancy and childbirth, or temporary
relocation: You cant just take time off because the weather is nice. But
some clubs allow membership freezes regardless of the reason. Many have
a minimum length of freeze (for example, at least three months), a maximum,
or both. And some require you to pay monthly fees at a reduced rate for
the months when your membership is frozen.
Since the financial commitment of a club membership is substantial, and
since some clubs employ aggressive sales tactics, Minnesota law provides
for a cooling-off period. You have three days after signing a contract
to cancel and get your money back. You should cancel in writing by certified
or registered mail. If you can persuade the club to give you a longer cooling-off
period, or trial period, than the law requires, take it. 3
Most health insurance plans offer discounts on health and fitness clubs
and other fitness-related purchases to promote healthy habitsor, if youre
a cynic, to attract a large pool of health-conscious customers who are
less likely to run up huge medical bills.
The available programs offer pretty good deals. For example:
Medicare Advantage policyholders with Blue Cross Blue Shield of Minnesota,
Health Partners, Medica, and UCare can get free or very low-cost memberships
at participating fitness clubs through the Silver Sneakers or Silver &
Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica, and UCare
reimburse members up to $20 per month for fees paid to participating health
and fitness clubs. To collect, members must work out a minimum number of
times during each month. Members of HealthPartners and UCare must work
out 12 times during the month. Members of Blue Cross and Blue Shield must
work out eight to 12 times (depending on the plan) per month. Most plans
allow reimbursement for up to two adult plan members per household.
Even if your health plan has a reimbursement or discount program, dont
limit your choices to only the participating clubs. A facility outside
the program may offer you a better deal, even when you take into account
your insurers reimbursements and discountswithout requiring you to hit
the gym two or three times a week to get it.
Below we list the local government-run recreation centers we could identify
as having at least weight rooms/fitness centers and/or indoor swimming
Brooklyn Center (www.ci.brooklyn-center.mn.us)
Brooklyn Center Community Center
6301 Shingle Creek Pkwy., 763-569-3400
Brooklyn Park (www.brooklynpark.org)
Brooklyn Park Community Activity Center
5600 85th Ave. N., 763-493-8333
Chanhassen Recreation Center
2310 Coulter Blvd., 952-227-1400
Chaska Community Center
1661 Park Ridge Dr., 952-448-5633
Eagan Community Center
1501 Central Pkwy., 651-675-5550
Eden Prairie (www.ci.eden-prairie.mn.us)
Eden Prairie Community Center
16700 Valley View Rd., 952-949-8470
7700 York Ave. S., 952-833-9540
Hopkins Activity Center
33 14th Ave. N., 952-939-1333
Inver Grove Heights (www.ci.inver-grove-heights.mn.us)
Veterans Memorial Community Ctr
8055 Barbara Ave. E., 651-450-2480
Maple Grove (www.ci.maple-grove.mn.us)
Maple Grove Community Center
12951 Weaver Lake Rd., 763-494-6500
Maplewood Community Center
2100 White Bear Ave., 651-249-2230
Creekview Recreation Center
5001 Humboldt Ave. N., 612-370-4965
2400 Lindbergh Dr., 952-988-4519
Williston Fitness Center
14509 Minnetonka Dr., 952-939-8370
Monticello Community Center
505 Walnut St., 763-295-2954
New Brighton (www.ci.new-brighton.mn.us)
Highview Middle School Pool
2300 7th St. NW, 651-638-2145
New Brighton Community Center
400 10th St. NW, 651-638-2130
Robbinsdale Community Fitness Center
3730 Toledo Ave. N., 763-567-1068
Shakopee Community Center
1255 Fuller St. S., 952-233-9500
Shakopee West Junior High School Pool
200 10th Ave. E., 952-233-9500
Shakopee East Junior High School Pool
1137 Marschall Rd. S., 952-233-9500
Shoreview Community Center
4580 Victoria St. N., 651-490-4700
St. Paul (www.stpaul.gov)
Arlington Hills Recreation Center
1200 Payne Ave., 651-632-3861
Battle Creek Recreation Center
75 Winthrop St. S., 651-501-6347
Daytons Bluff Recreation Center
800 Conway St., 651-793-3885
Edgcumbe Recreation Center
320 S. Griggs St., 651-695-3711
El Rio Vista Recreation Center
179 Robie St. E., 651-789-2500
Highland Park Community Center
1978 Ford Pkwy., 651-695-3706
Linwood Recreation Center
860 St. Clair Ave., 651-298-5660
Martin Luther King Recreation Center
271 Mackubin St., 651-290-8695
North Dale Recreation Center
1414 N. St. Albans St., 651-558-2329
Oxford Community Center
270 Lexington Pkwy. N., 651-642-0650
West Minnehaha Recreation Center
685 W. Minnehaha, 651-298-5823
University of Minnesota (www.recwell.umn.edu)
Minneapolis Recreation & Wellness Center
123 Harvard St. SE, Minneapolis,
St. Paul Gymnasium
1536 N. Cleveland Ave., St. Paul,
University of Minnesota Aquatic Center
1910 University Ave, SE, 612-626-1352
Safari Island Community Center
1600 Community Dr., 952-442-0695
You may want to join a club that allows you to continue to work out when
youre out of townor even in another part of the local area. Many health
clubs have reciprocal arrangements with other clubs in the area, or participate
in reciprocal programs that allow members to use other clubs worldwide.
Our Ratings Tables show which clubs weve rated offer local and/or
national reciprocal benefits.
The International Health, Racquet & Sportsclub Association (IHRSA) and
the International Physical Fitness Association (IPFA) are two of the organizations
to which some area health clubs belong. Generally, a clubs membership
in either of these organizations allows its members to use the other member
clubs in the world on a per-visit basis by paying a discounted guest fee.
To utilize these reciprocal benefits, the member must be at least 50 miles
away from his or her home club and have proof of membership in good standing.
Its a good idea to call a club you will be visiting ahead of time, as
most clubs place a priority on meeting the needs of their own members first.
If a factor in your choice of a local club is the clubs reciprocal arrangements
with other clubs, be sure to ask for a full list of the clubs that reciprocate
and the rules and fees for using reciprocal privileges. Both IHRSA and
IPFA publish booklets listing all their clubs, worldwide. Also, IHRSAs
list is online at www.healthclubs.com and IPFAs list can be found