I'm just a little bit confused... how are you going to get the IUD if you don't have a doctor... or did you mean you have a GYN but not a family doc? Regardless, there wouldn't be an issue with the Paragard like with the copper on the skin... you're right that that's not an allergic reaction but happens to everyone at varying rates depending mostly on the moisture of the skin where the metal is contacting. So I don't think that would factor into the decision.
From my understanding it's any synthetic hormone (even some topical steroids.../ skin creams, hydrocortizone) can trigger mood swings in people with bipolar disorder. Again though, different docs have different opinions about this specific to using the Mirena, not about the steroid/hormone thing in general.
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