After weeks of procrastinating, Rachel finally takes down the Christmas light on their balcony, only to fall off the balcony and sprain her ankle. At the hospital, Rachel - who has no insurance - cajoles Monica into trading identities so she can use Monica's coverage. When Ursula breaks Joey's heart Phoebe tries to fix it.

Two police detectives stake out the girls' home to investigate the neighbors whom are believed to be dealers in stolen gems.