Professionally speaking, you should be within 5 lbs. of your goal weight. Otherwise, you will have to get lipo too, which is not covered by insurance, and you can also gain the weight back.
Tummy tucks after gastric bypass surgeries are hardly ever covered by insurance, and thigh lifts are never covered by insurance following gastric bypass. This is because these procedures are strictly considered plastic surgery, regardless of how the excess skin may hamper you on a day to day basis.
You might also require an arm lift (which leaves scars) and some require a neck lift due to rapid weight loss.
If you have any additional questions, do not hesitate to contact me. I have a great deal of professional experience with patients pre and post gastric bypass (lap band as well as roux-en-y).
How much weight did you lose? Flaunt it! Be proud!
I wish you the best of luck!