I have lost 92 pounds. Do I have to get the fleur de lis tummy tuck or can I get the bikini cut tummy tuck? (Photo)

I applaud your efforts and patience as you work towards your goals.   You will likely be an excellent candidate for standard or extended tummy tuck surgery at some point.  
 Achieving this long-term stable weight, will increase the safety of the operation (help avoid serious problems such as deep venous thrombosis and pulmonary embolism), will likely improve the outcome of the operation, and will decrease chances that additional surgery will become necessary subsequently.
In my practice, I do not ask specific patients to achieve a specific weight prior to proceeding with tummy tuck surgery. Again, I simply ask patients to achieve a long-term stable weight where he/she feels comfortable and does not expect significant fluctuation postoperatively.    Personally, I do not find the use of specific numbers or BMI values applicable in all cases. In my opinion, nothing replaces in-person evaluation and individualized assessment  and recommendations (based on the priority of SAFETY).
 When the time is right, exactly what operation you should undergo will depend on your physical examination and personal goals.  Most patients are able to undergo a standard or extended tummy tuck incision using a transverse incision. Occasionally patients who have significant tissue laxity (vertically and horizontally) benefit from the fleur-de-lis tummy tuck procedure.
 Make sure that you are working with a well experienced board-certified plastic surgeon (who can demonstrate loss of experience achieving the types of outcomes you would be pleased with),  well experienced anesthesia provider, in a fully accredited surgery facility.
 
Best wishes.

Congratulations on your weight loss and lifestyle change! If the submitted photos are current- then I would consider additional significant weight loss. The vertical component is reserved for reducing the circumferential excess. The horizontal excess that is the tissue hanging below your belly button is treated with extended transverse incision. If you proceed with a tummy tuck now- before any further weight loss, the low transverse incision should be adequate