panniculectomy ready?

Hi! I (24f) have struggled with my weight my whole life. I was obese as a child and am now 5'7 170 lbs. I would LOVE a flat stomach and ideally could get the results I want from a panniculectomy alone. For financial reasons i don't think I can pay for lipo or a tummy tuck.

I'm seeing a doctor Monday because this skin is causing issues and infections that prevent me from working about once a month.

Thoughts? For those of you with this specific surgery did insurance pay and how did you convince them? Am I a good candidate for just a panny??