How long do you wait before having a Tummy Tuck?

From all the threads I've read, most people say wait at least 1 year post-op. After 1 year, your skin has had time to shrink quite a bit and your most likely not having dramatic weight loss anymore.

I'm 16 months out. I go in jan 2nd for consult:-).

One year after you've reached your goal weight. Your skin is still shrinking.

I've already consulted with a plastic surgeon. Her advice was to wait until my weight has been stable for 3 months.

If I want my insurance to pay for it, I have to wait two years and there has to be an underling infection or serious rash under hanging-over skin (pannis) that has to hang a certain amount over the pubus. In addition to that requirement, my insurance will only pay for a panniculectomy (skin flap) but not tummy tuck (tightening up muscles).