You never know unless you ask. My club is expensive, but well worth it and I do utilize both equipment and a trainer there. They do often minimize or waive the initiation fee - and since it is attached to an Osteopathic hospital if a prospective member brings a note from their dr prescribing exercise they waive the entire initiation fee. They also allow you to place your membership on hold for 3 months (dues drop to $15 during that time), or for as long as needed if it is for some medical reason such as recovery from an injury or surgery.

Check and see!