With weeks and weeks of not bringing the Christmas lights down Rachel finally decides to take down the Christmas light on their lovely balcony but while she does this overdue task she falls off the balcony and sprains her ankle. When they are at the hospital Monica finds out that Racel doesn't have any insurance to cover the expensive hospital bill. Rachel begs and begs for Monica's indenity so she can have insurance. Monica finally gives in and decides to switch idenities with Racehl so she can have insurance. Ursula breaks Joey's heart which Phoebe is left to try and fix his heart.
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