After weeks of procrastinating, Rachel finally takes down the Christmas light on their balcony, but she falls off and sprains her ankle causing her to go to to the emergency romm. There she finds out she need insurance but doesn't have any so she pretends she's monica so she can use her's. While at the hospital they met two cute cute doctors (George Cluney and Noah Wylie) and ask them out. Monica is worried that someone is going to find out what they did.
Joey is still dating Ursula but she talking to him. To make him feel better Phoebe pretends she's Ursula to break up with him.