Summary: Joey loses his health insurance when he doesn't work enough during the last year and he gets a hernia. Ross gets an opportunity to teach a lecture but gets nervous and starts using an accent. Phoebe is told by her psychic that she will die in the next week.
The Good: This was good fun with good jokes and some clever plot lines. The return of Estelle is really fun (as ever) and she gets some good lines in. Joey's scenes are really funny as he struggles with his hernia and there are quite a few funny lines and visual gags. Ross' story is a blast too, as stupid as it is. Monica and Rachel have good fun in the role and Ross' random accent is stupid, yet very funny. The final scene where Rachel invades on Ross is excellent and works as a perfect punchline.
The Bad: Phoebe's plot is pointless and isn't very funny. As mentioned above, parts of this episode were very dumb and simplistic, but the episode made up for it by being funny.
Best Moment: Ross asking his class to give him another chance only for Rachel to come in and verbally assault him was hilarious. David Schwimmer's face and his relapse into his accent were both perfect and made me laugh.
Character of the Episode: Ross.
Conclusion: This episode had great jokes and memorable stories. While the stupidity of the jokes is still there, this was funny enough to successfully work around it and end up as a great episode.
Just a university student who loves to watch TV. And criticize it like hell.