Definition: In this task, you are given a Reddit post as a text. Your task is to generate a title for this text. The title should start with "TIFU by", followed by a situation that caused humor. The title should contain 7-12 words, ideally.
Input: Text: so i fucked up royally by thinking my autopay on our health insurance was up to date. last payment was september 1st, this gave us coverage till october 1 with a 30 day grace period.

when my wife scheduled her surgery it was all good. she scheduled it and went through with it on novemember 5th. we were not covered at that time and insurance company probably won't pay for it. they had mailed us the notice of non payment, but those envelopes got buried in the chaos, and i'm not responsible with opening my mail.

the day before follow up surgery, we find out we don't have coverage, just over 3 months passed last payment so i don't think there is anyway to fix this. went from everything going great, to catastrophy

got the explanation of benefits and the total cost is a little over $20,000. i'm just thankful it's not more, but it easily could be.

i'm hoping they will reduce the costs if we pay in cash and give us a discount or payment plan options. wife is furious, it was my job to make sure health insurance is taken care of. man i fucked up

TIFU by missing an autopay on health insurance and surgery done