J-squared

Hey All; I am 3 years post lap-band surgery. I've lost 80-85 pounds to date. I am so close to goal I can almost taste it. I have a question in regards to plastic surgery and those who have had success with getting their insurance to cover it. My insurance will cover it if it's medically necessary. I have issues with my knees (already have had 3 knee surgeries) and shoulders, and in my opinion having the extra skin hanging off my arms and thighs isn't helping. Also, I have a large flap of skin overhang on my lower abdomen. I've reached a point where I don't think much more weight is going to come off until I get rid of this skin, and gain some more movement. What are your thoughts - facts, things you have found useful in getting insurance approval? And where should I start the process - with my Lap-Band doctor, or go to a plastic surgeon for a consult, first? Thanks!