I am doing the 3month insurance wait right now but have a few questions. My BMI is 40 (exactly 100lbs overweight for insurance to pay.) My question is does anyone with a similar BMI have lots of loose skin? also, how long did you take off work?

I am in your exact situation. From what I understand, it depends how long you have been overweight. Your skin stretches, and when it has been stretched for so long, you will have loose skin in that area. I know already that my stomach is going to be the worst area for me. Your skin will shrink some, but probably not as much as we would like. Plus, you will be loosing weight fast after surgery, so it is hard for your skin to react to your shrinking body. I've heard that it can take your skin up to 2 years to react to the weight loss. I'm not entipating too much loose skin that I will go for plastic surgery, but only time will tell. Best of luck to you!