> Are these cost categories true even for non private practice folks who are employed under a larger organization?
Yes - depending on the employing org, they may not have to pay for some things office space (though many employers won't even cover that). But the bulk of their expenses - insurance, continuing education, and licensing - are not covered, and are paid for out-of-pocket by post-tax money.
Yes - depending on the employing org, they may not have to pay for some things office space (though many employers won't even cover that). But the bulk of their expenses - insurance, continuing education, and licensing - are not covered, and are paid for out-of-pocket by post-tax money.