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I can give you a tiny bit of advice from my own experience over the almost ten years since I lost ( I know ... you're gonna laugh 
... " just " eighty lbs thru rny and a ton of daily healthy diet and exercise .
What I personally really like is to turn over my natural skin renewal a little bit faster using a very natural , ancient and proven and good- feeling product ( aspirin actually ) ... 2% Salicylic Acid .
I buy a grapefruit scented acne wash containing the salicylic acid from any drugstore basically and it does wonders to keep my skin firm and healthy and relatively wrinkle free .
Of course for the big stuff you still need skin removal and plastics and lipo.... but it's a real and inexpensive temporary fix.
Your lover will exclaim how incredibly smooth your skin feels ... and little facial imperfections will lessen and disappear over time and not come back . I can't tell you how many times even a cosmetic guru friend has asked me what creams I use to keep my skin so nice . The real answer is I only use sunscreen and a bit of foundation for more coverage in strong sunlight situations . The salicylic acid makes my skin act younger and turn over faster .... kind of like a child's .
And please start saving money for the " plastic " half of the operation.
The insurance company will only cover the absolute basic skin removal - which is great but .... you also ( realistically) want and deserve to be super attractive afterwards ... and to actually ( for the first time probably ) to like and admire your own ( somewhat skinny ) flat and small midsection .
it's only costs a couple of thousand dollars more 
There are many people suffering various forms of depression these day, so you are definitely not alone. It's a great reflection on you that you recognize there's an issue and have reached out for help. The advise above about talking to your doctor right away seems to make the most sense.
Good luck and know you're not alone.
I doubt many people have 5 years of valid history documented. Nevertheless the best route forward is to find a great doctor and let his staff work it out with insurance bureaucrats. They have the experience and know which buttons to push.
I agree with Citizen Kim! I have clinical depression and I was feeling just like you are. It took me a year to realize that the antidepressant I had been taking for 17 years had stopped working! It took another year for my doctor and I trying other medications and dosages to find the right one. Now I am feeling almost back to normal. Please see you doctor about this ASAP!! And I hope you're feeling better soon!
I am in an all time funk. I am feeling so defeated with my health and life and cannot find the motivation to even help myself. Have you felt this way? How did you get through it? I just spent two days in bed and I have never been through anything like this before. Ive been crying off and on with no specific reason why. I am in tears as I type this.
I agree that you need to see your physician ASAP. There is help for you and no need to suffer like this.
Do you have a psychiatrist because this sounds like clinical depression which requires medication? If you already take medication, it may well need adjusting.
Proud Feminist, Atheist, LGBT friend, and Democratic Socialist
I am in an all time funk. I am feeling so defeated with my health and life and cannot find the motivation to even help myself. Have you felt this way? How did you get through it? I just spent two days in bed and I have never been through anything like this before. Ive been crying off and on with no specific reason why. I am in tears as I type this.
I read it and thought it was beautifully written!
