How much do you pay for masters workouts?

Hello - I'm new to this board. I recently took up swimming again (did it a lot (competitively) in my much, much younger days), and have dabbled here and there for the past 6 years or so, but I'm now doing more regular workouts at a local indoor pool. I started because I'm a runner currently off land with a stress fracture, so while doing pool running I noticed the masters workouts going on and decided to join in for the added crosstraining. It turns out that this coach is great. The workouts generally have 3 to 8 people, and being new, I'm always in Lane 1 getting constant input on my stroke, which has already changed. He really pushes us pretty hard, doing all strokes, lots of drills and intervals - definitely good for lactate threshold workouts, endurance, and V02 max (things I relate to in running). I was wondering, if you care to share, what you pay for masters workouts, and what you get for that (how many days per week, additional pool time at no extra cost, etc.). And, a couple more questions if you don't mind: Any benefits to joining USMS if you are not planning on doing swim meets? (I'm planning on doing a triathlon here and there, hence the swimming.) And, kickboards: cheap foam okay, or any difference in what's out there? Thanks for any input!!