Jim's health insurance is cancelled after he argues with a claims representative about his bill, but he doesn't tell Cheryl. When Cheryl gets a cold, Andy convinces Jim to buy tropical fish antibiotics at a pet store to prevent Cheryl from going to a doctor. The pills work and she improves. But when Jim catches Cheryl's cold and takes the same fish pills, he has an allergic reaction. Then Cheryl discovers the truth about the health insurance.