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Steve -- some are FDA-approved, and some are not. The "individually compounded" ones generally are not approved, either because all of the ingredients have not yet been tested by the FDA, or because one or more of the ingredients is actually harmful. I would be cautious and safe, and insist on one of the FDA-approved ones.
By the way, in hormone therapy there is no such term as bio-equivalent or bio-identical. That is a marketing term designed to fool people into thinking whatever they want to think. It has no scientific meaning.
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