Friends (1994–2004)
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The One Where Joey Loses His Insurance 

Joey's health benefits lapse just as he develops a hernia. Ross is given a professorship at NYU and eager to impress his students, he puts on a fake English accent.



(created by), (created by) | 2 more credits »

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Episode cast overview:
Monica Geller (as Courteney Cox Arquette)
Joey Tribbiani (as Matt Le Blanc)
June Gable ...
Kim Harris ...
Casting Director #1
Casting Director #3
The Professor
Ian Meltzer ...
The Student
Matt Bellner ...
The Crew Member


Ross gets a part time job as guest lecturer at the university. Joey's health insurance expires because he wasn't paying so he goes to see his agent. Phoebe's psychic says Phoebe will die within a week but she doesn't know how she will be killed. Rachel and Monica sneak into Ross' lecture and find that he is doing a fake British accent. He says he couldn't help it - he was nervous when having his first lecture and the British accent just came out of his mouth. Joey has a hernia but doesn't want to go to the hospital because he isn't covered by insurance anymore. Monica and Rachel fight about some candle holders because both claim they bought them. Phoebe's reading was wrong because her psychic is dead. Ross tries to phase out the accent but everyone notices. Rachel finds out that they are still married and is furious. Joey gets his health insurance back. Written by Anonymous

Plot Summary | Add Synopsis


Comedy | Romance


TV-PG | See all certifications »




Release Date:

14 October 1999 (USA)  »

Filming Locations:


Company Credits

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Technical Specs



Sound Mix:


Aspect Ratio:

1.33 : 1
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Did You Know?


On the back of the magazine that Phoebe is reading in the coffee house at the beginning of the episode is a Toyota Supra. See more »


When Rachel and Monica fight for the "candle holders", the "holders" change positions between shots. First the bottom parts are towards Rachel, next shot they are towards Monica See more »


Joey: Probably a residual cheque. Can you open it? I got...
[shows his hands tied with string]
Chandler: Benefits Lasped.
Joey: Thats weird. I don't remember being in a movie called "Benefits Lapsed."
Chandler: [chuckles] It's not a cheque. They are saying your health insurance expired cause... you didn't work enough last year.
Joey: What? Let me see that. Oh no! This sucks. When I had health insurance I could... catch on fire, you know or get hit by a bus. Now I gotta be careful?
Chandler: I know what you mean, man, there's never a good time ...
See more »

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User Reviews

The One Where Phoebe Thinks She's Going To Die...
26 February 2015 | by (Australia) – See all my reviews

I love this episode. It's so funny, it really is.

In this episode, Phoebe visits her psychic, like she always does, and her psychic says that she is going to die in a week. But the psychic didn't tell her that until the end of the session, so she couldn't ask any questions, and she wasn't going to waste what little time she had left, asking questions. So she goes and tells the gang and says she's got to make good of what time she had left, and that she really had to start living life, so she sits down and reads a magazine. Meanwhile, Ross gets a job as a guest lecturer and pretends to have a fake British accent. Joey loses his health insurance, which leads to some pretty funny moments. And Rachel finally finds out that she and Ross are still married.

Overall, I give this episode a 9 out of 10.

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