Welcome to the Forum!!! I have UHC too..... I am 2" taller than you and 10+ lbs heavier and had 1 c-section and 2 vbacs... I worry about the excess skin too.... but the folks here say as long as you loose 1-2 lbs a week, the skin stays tight........
I would wait until you get down to smaller bra size before you get a reduction....because the "girls" will get smaller with the weight loss.....Some folks use Spanks to keep their tummy's tucked away until they get plastic surgery..... if they get it at all..... this is just an opinion.... sorry if I am all over the place! just excited because I got my approval today!