What makes a good masters coach?

I've been swimming with two masters club for the past year and I feel a bit left out in the dust with one of the clubs I am in. The first club is fine because we pay the annual pool fee and that's it ($238 bucks). So, the coach we have during the training session volunteers his time to coach us from time to time. I respect that and I don't expect much since I don't pay for his coaching anyway. However, in the evening... I swim with a different masters club, which their instructors are composed of coaches and students from a varsity team (2 - 3 people per session). This club, I pay for pool and coaching fees. However, all they do is pretty much stand there and chat up with each other and never really focus on me to improve on my strokes. They can tell I am a beginner... and I see no motivation from them to coach me at all. It ticks me off because I am paying for their coaching and sometimes they say nothing to me for the entire session. What's up with that? I can tell they have favorites... and I feel like I am left in the dust to improve on my own, which I need help on. Anyways... I am getting off topic here... I would like to know what makes a good masters coach, because I don't feel comfortable spending my money on people who are utterly useless. Please advise.