Congratulations on your massive weight loss. The excess skin and fat you describe is very common after a 150 pound weight loss. I would suggest you undergo reconstructive plastic surgery after mass weight-loss. Since you mentioned that your stomach, thighs, and buttocks bother you, I would suggest a 360 lower bodylift. This is often called a circumferential body lift or a belt lipectomy. Basically, the 360 lower bodylift removes skin and fat from the abdomen, lateral thighs, and buttocks. The result is a flat abdomen, raised outer thighs, and a wrinkle free, raised buttocks.Since you mentioned that your thighs bother you, I would suggest an inner thigh lift. This is often called a medial thigh lift. Typically, the incision goes from the groin to the inner knee. Since you mentioned that your arms and breasts bother you, I would suggest an arm lift or brachioplasty. Typically, the incision goes from the armpit to the elbow. For the breast surgery, you probably need a mastopexy or breast lift. In addition if you want more fullness to your breasts, you may require a breast implant.Typically, the above surgeries are done in three separate surgeries. However sometimes the medial thigh lift and the 360 lower bodylift can be combined. This would reduce the number of surgeries and decreases your recover time.Since insurance is now required in America, many of these reconstructive plastic surgery procedures are covered by insurance plans. I would try to get insurance coverage to decrease the cost.I would not seek out the least expensive plastic surgeon. Rather, I would seek out the most experienced plastic surgeon. This will minimize your chances of complications.Good luck.