Tarsus Benefit-Guide-NAV 2027 POSTING

What’s Inside

Getting Started

1. 3 Welcome to Your Tarsus Benefits
2. 4 Get Ready to THRIVEwell
3. 5 Enrolling in Your Benefits
4. 6 Making Changes During the Year
5. 7 Benefits Terms Made Simple

Health & Wellbeing

1. 8 Choose the Right Place for Care
2. 9 Which Medical Plan Is Right for You?
3. 10 Medical
4. 11 Your Cost for Medical & Prescription Coverage
5. 12 Prescriptions
6. 13 How the HSA PPO Plan Works
7. 14 Health Savings Account (HSA)
8. 15 Flexible Spending Accounts (FSAs)
9. 16 Dental
10. 17 Vision
11. 18 Family Forming Services & More
12. 19 Planning for Your Family
13. 20 Additional Health & Wellness Resources
14. 21 Create Healthy Habits
15. 22 Building Resilience

Financial Protection

1. 23 Life and AD&D
2. 24 Disability
3. 25 Voluntary Benefits
4. 26 Voluntary Financial Protection

Saving & Investment

1. 27 401(k) Retirement Plan
2. 28 Tarsus Stock Benefits
3. 29 Commuter Benefit Plan

Other Perks

1. 30 Tarsan Extras
2. 31 Time Off
3. 32 Paid Holidays

Who to Contact

1. 33 Who to Contact

This guide provides an overview of your employee benefits. For complete details, refer to the official plan documents. If any discrepancies exist between this guide and the official plan documents, the plan documents take precedence. We reserve the right to modify or end a benefit at any time. If you have questions or need more information, please contact Human Resources.

Have a Benefits Question? Ask Your Advocate.

Benefits can feel confusing, but you don’t have to figure everything out on your own.
Your Alliant Benefit Advocate can help you:

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Understand how your plans work Review a bill or Explanation of Benefits Work through claim issues

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Find the right carrier or resource Know what questions to ask

Reach your benefit advocate at tarsusbenefits@alliant.com or 925-357-6853.

For help with a claim, you may need to complete a HIPAA Authorization Form so your advocate can work with your carrier or provider. Your advocate will send you the form if needed, and you can revoke permission at any time.

Get Ready to THRIVEwell

THRIVEwell for Tarsans Supports the Whole You

Your wellbeing is personal, and your needs can change over time. You may be caring for your health, growing your career, supporting your family, managing stress, planning for the future, or making more time for life outside of work.

THRIVEwell brings together the benefits, programs, and resources that can help. Its six pillars make it easier to see how your benefits support different parts of your life and help you find the right resources when you need them.

Throughout this guide, look for the THRIVEwell pillar associated with each benefit.

THRIVEwell Pillars

TRANSFORM

HEALTHY HABITS

EMPOWERMENT

Your THRIVEwell Benefits in Action

TRANSFORM

HEALTHY HABITS

EMPOWERMENT

Enrolling in Your Benefits

Whether you’re enrolling as a new hire, during Open Enrollment, or after a life change, Tarsus offers benefits and resources to help you thrive today and prepare for tomorrow.

Enroll Now

Who Is Eligible?

You

You’re eligible if you’re a full-time U.S. Tarsan regularly scheduled to work at least 30 hours a week. New-hire coverage begins on the first of the month following your hire date.

Your Dependents

Eligible dependents include your legally married spouse; registered domestic partner, where applicable and with the required affidavit; and natural and adopted children, stepchildren, or a domestic partner’s children up to age 26. Disabled children over age 26 and children covered by a Qualified Medical Child Support Order may also qualify.

When Can I Enroll?

As a New Tarsus Employee	During Open Enrollment	After a Qualifying Life Event
Within 30 days of your hire date.	Your once-a-year chance to review and change your coverage.	Within 30 days of getting married, welcoming a child, or losing other coverage.

Making Changes During the Year

After you enroll, your elections generally remain in effect through the end of the plan year. You may be able to update your coverage if you experience a qualifying life event (QLE). The change must be consistent with the event, submitted through ADP within 30 days of the event, and supported by the required documentation.

Benefits Terms Made Simple

Coinsurance

The percentage of a covered service you pay after meeting your deductible. For example, if your coinsurance is 20%, you pay 20% and your plan pays the remaining 80%.

Copay

A fixed dollar amount you pay for certain services, such as a doctor’s visit or prescription. Depending on your plan, some copays may apply before you meet your deductible.

Deductible

The amount you pay for most covered services before your plan begins sharing the cost. Some services, such as in-network preventive care, may be covered before you meet your deductible.

Evidence of Insurability (EOI)

Health information you may need to provide before certain coverage is approved. EOI may be required if you enroll after your initial eligibility period or choose coverage above the guaranteed issue amount.

Guaranteed Issue

The amount of certain insurance coverage you can elect without answering health questions or providing medical information.

Imputed Income

The value of certain Tarsus-paid benefits that the
IRS considers taxable income. It may appear on your paycheck for tax purposes even though you don’t receive it as cash.

In-Network

Doctors, hospitals, and other providers that have agreed to contracted rates with your plan. Staying in network generally means you’ll pay less for care.

Out-of-Network

Providers that don’t participate in your plan’s network. You’ll generally pay more for care and may be responsible for costs your plan doesn’t cover.

Out-of-Pocket Maximum

The most you’ll pay for covered services during the plan year. Once you reach this amount, your plan pays 100% of covered services for the rest of the year.

Premium

The cost of your coverage. Your share is deducted from your paycheck, and Tarsus pays a portion of the cost for many benefits.

Choose the Right Place for Care

Choosing the right place for care can help you get the support you need while saving time and money. Use the guide below to decide where to go based on your symptoms and how quickly you need help.

VIRTUAL

Nurse Line

COST

No cost

WAIT

No wait

BEST FOR

Understanding symptoms and deciding what to do next

VIRTUAL

Telehealth

COST

No cost

WAIT

Low wait

BEST FOR

Minor illnesses, prescriptions, and everyday health concerns

VIRTUAL OR IN-PERSON

Primary Care

COST

Low cost

WAIT

Low wait

BEST FOR

Preventive care, routine concerns, and ongoing conditions

IN-PERSON

Urgent Care

COST

Mid cost

WAIT

Mid wait

BEST FOR

Concerns that need prompt attention, like sprains or stitches

IN-PERSON

Emergency Room

COST

High cost

WAIT

High wait

BEST FOR

Only for serious or life-threatening emergencies

Get the App

The Blue Shield of California app puts your Blue Shield medical plan at your fingertips. Use the app to:

View your digital ID card Find in-network doctors Review coverage

Check claims
Track your deductible See your wellness benefits

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Scan the QR code to download the app.

Which Medical Plan Is Right for You?

There’s no single medical plan that works for everyone. Your choices should reflect your health needs, family, budget, and plans for the future. As you review your options, think about:

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The services and prescriptions you expect to use
The family members you want to cover
How much you’re comfortable paying from each paycheck

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Whether you prefer predictable copays or lower paycheck deductions
The savings and financial protection that may help you prepare for what’s ahead

Compare the Plan Details

A Simple Way to Narrow It Down

Medical

Your medical benefits help bring vitality to life by supporting your everyday health, preventive needs, and more complex health concerns.

*Out-of-network coverage is available under the PPO plans. See plan documents for details.
**Family Deductible/Family Out-of-Pocket Maximum is embedded, meaning cost sharing starts after a member meets their individual deductible; the plan covers 100% after a

member reaches their individual maximum. ***Deductible for an individual in a family is $3,500.

Find an
In-Network Doctor

bscaplan.com/xdhiuv#close_pdf

Your Cost for Medical & Prescription Coverage

Tarsus contributes toward the cost of coverage for you and your dependents. Below is your monthly share of the premiums for each plan.

Prescriptions

Your prescription benefits support your vitality by helping you access the medications you need to stay well and manage ongoing health needs.

*Out-of-network coverage available. See plan documents for details.

How the HSA PPO Plan Works

The Blue Shield Health Savings Account (HSA) PPO combines a High Deductible Health Plan with an HSA. The plan has lower paycheck deductions, but you pay more of the cost when you receive services until you meet the deductible. Tarsus helps with an annual HSA contribution of $1,100 for individual coverage or $1,700 for family coverage. As your expenses add up, the plan moves through three stages. Here’s how it works:

Get the Most from the Plan

An HSA PPO may be a good fit if you want lower paycheck deductions, access to in- and out-of-network care, and the opportunity to build tax-advantaged savings. It may be less appealing if you prefer predictable copays or expect difficulty covering the deductible when care is needed.

Health Savings Account (HSA)

An HSA gives you a way to invest in both your health and your financial future. If you enroll in the Blue Shield HSA PPO and are eligible, you can use your account to pay qualified health expenses today or let the balance grow for future needs.

Your contributions and qualified withdrawals offer valuable tax advantages, unused money rolls over each year, and the account stays with you if you change plans or leave Tarsus. See IRS Publication 969 for complete eligibility rules.

Tarsus Gives Your HSA a Boost

To help you get started, Tarsus makes an annual contribution to your HSA.

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Individual Coverage: $1,100 Family Coverage: $1,700

Use It Now or Save It for Later

Choose When to Use It

Money Goes In

Tarsus contributes and you can contribute pre-tax dollars too.

Spend Now Use your HSA for eligible medical, prescription, dental, and vision expenses.

Save for Later Let unused money roll over to build savings for future healthcare expenses, even in retirement.

Either Way, It’s Yours

Your HSA belongs to you and goes with you if you leave Tarsus.

Is an HSA Right for You?

An HSA has special eligibility rules, particularly if you have other health coverage.
Visit the Benefits Site for eligibility requirements, qualified expenses, tax details, and more.

How Much Can Go Into Your HSA in 2027?

Are you age 55+? You may contribute an additional $1,000.

Flexible Spending Accounts (FSAs)

Planning ahead for expected expenses can help you make the most of your money. HealthEquity FSAs allow you to set aside pre-tax dollars from each paycheck for eligible health, dental, vision, or dependent care expenses.

Estimate your needs carefully and save your receipts. You must actively re-enroll each year, and your election generally cannot change during the year unless you experience a qualifying life event.

Did You Know?

Dental

Good dental health is an important part of your overall wellbeing. Tarsus offers two Sun Life PPO plans with preventive, basic, and major-service coverage. Both let you visit any licensed dentist, but using a Sun Life Preferred Dentist generally helps you save.

*Out-of-network coverage available. For out-of-network services, members pay applicable coinsurance plus any amount that exceeds the usual, customary, and reasonable charge. See plan documents for details.

Find an
In-Network Dentist

member.sunlifeconnect.com/findadentist/

Vision

Routine eye care helps protect your vision and your health. Tarsus pays the full cost of Sun Life vision coverage for you and your eligible dependents. You may visit any provider, but you’ll generally receive the greatest value in network.

*Out-of-network coverage available. See plan documents for details.
**Plus 20% off the amount over your allowance.

Find an In-Network Provider

Sun Life vision benefits are provided through VSP. Visit vsp.com and create an account to find a doctor.

Family Forming Services & More

Carrot

We’ve partnered with Carrot Fertility to provide employees with inclusive fertility, hormonal health, and family-forming benefits. Members can also explore trusted education resources, find a Carrot-approved provider, use funds we’ve provided to help pay for care, and more.

Depending on your needs, Carrot may connect you with:

Personalized guidance from a dedicated care team
A network of fertility clinics, attorneys, agencies, and other specialists
Unlimited virtual chats with clinicians, doulas, midwives, nutritionists, and adoption or surrogacy experts Articles, videos, and virtual group sessions
At-home ovulation tracking and testing support
Carrot Rx savings, delivery, and medication support
Get started: Enroll at get-carrot.com/signup using your Tarsus email. You can join at any time during the year.

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Go to the next page for more family support benefits.

Planning for Your Family

Milk Stork

Traveling for work while breastfeeding can add another layer of planning. Milk Stork helps you safely transport breast milk home from anywhere in the world at no additional cost to you.

Pump according to your regular nursing schedule and refrigerate or freeze your milk. When you’re ready to transport it, pack it in the cooler provided and ship it through FedEx. You can also use the provided Milk Stork travel bags to carry your milk with you as a carry-on or checked bag.

Get started: Visit portal.milkstork.com/tarsusrx to create an account and order the appropriate kit before traveling.

Maternity Care via Maven

Whether you’re preparing for birth or adjusting to life with a newborn, Maven offers personalized virtual guidance along the way. Eligible Blue Shield members can use Maven at no extra cost during pregnancy and up to three months postpartum.

Care for You and Your Baby

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Get virtual guidance from specialists, including OB/GYNs, doulas, and lactation consultants. Explore resources for birth planning and postpartum recovery.
Get help with breastfeeding, feeding, and newborn sleep.
Find emotional support and helpful resources as you adjust to changes.

Pregnancy Loss Support

Members can enroll with Maven up to 12 months following a pregnancy loss. Maven will provide virtual support and guidance from mental health providers, relationship coaches, OB/GYNs, and reproductive endocrinologists.

Get Started: Visit Maven through Blue Shield to learn more.

Additional Health & Wellness Resources

Teladoc Health

Blue Shield members can connect with a board-certified doctor by phone or video, 24/7, at no cost. No appointment or travel is needed. Get help with common health concerns, treatment recommendations, and prescriptions when appropriate.

Get started: Register or log in at blueshieldca.com/teladochealth.

Shield Concierge

Managing your health can feel like a lot but you don’t have to do it alone. Shield Concierge connects eligible Blue Shield members with a team of health experts who can answer questions, offer guidance, and help coordinate prescriptions and care for a wide range of conditions.

Get started: Call the Shield Concierge number on the back of your Blue Shield ID card.

NurseHelp 24/7

Health questions don’t always happen during office hours. Blue Shield members can speak with a registered nurse at any time for help understanding symptoms, deciding what type of medical support may be appropriate, and preparing questions for a provider.

Get started: Call the number on the back of your Blue Shield ID card or log in to your Blue Shield account to chat securely online.

Wellvolution

Work toward your health goals with personalized programs to help you manage weight, prevent or manage type 2 diabetes, lower blood pressure, quit smoking, and reduce stress. Available at no additional cost to eligible Blue Shield members.

Get started: Visit wellvolution.com and create an account to confirm eligibility and find a program that fits your goals.

Create Healthy Habits

HEALTHY HABITS

Staying active and making time for yourself can help turn healthy choices into routines that last. These year-round resources make it easier to support your goals, enjoy your free time, and save along the way.

Building Resilience

Life can be a lot, and building resilience doesn’t mean handling everything on your own. These no-cost resources give you practical ways to manage stress, work through life’s challenges, and make time to reset and recharge.

Employee Assistance Program (EAP)

The Sun Life EAP through ComPsych offers free, confidential support to you and members of your immediate household for emotional health, relationships, substance use, parenting, child or elder care, finances, legal concerns, and more.

Emotional Wellbeing

Self-Help Resources

Work-Life Balance	Financial Guidance	Legal Support
Get help finding childcare, elder care, education, and support during life transitions.	Access resources for budgeting, debt management, credit concerns, and planning for major life expenses.	Connect with legal professionals about wills, estate planning, family matters, and identity protection.

Life and Accidental Death & Dismemberment (AD&D)

It’s not always easy to think about the unexpected, but having financial protection in place can help you feel more prepared. Tarsus gives you a foundation of Life and AD&D coverage at no cost, and you can add more protection for yourself and your family if needed.

Want More Protection?

Voluntary Life and AD&D

You can purchase additional coverage for yourself, your spouse or domestic partner, and your children.

Disability

If an illness or injury prevents you from working, Sun Life disability coverage can help replace part of your income so you can focus on your recovery.

Short-Term Disability (STD)

STD coverage provides you with a portion of income replacement if you are unable to work due to a non-work-related illness, injury, pregnancy-related conditions, childbirth recovery, surgery or recovery from surgery. Tarsus automatically provides coverage at no cost to eligible employees.

If you live in California, Hawaii, New Jersey, New York, Rhode Island, or Puerto Rico, your STD benefit may be reduced by benefits available through your state’s disability program.

Long-Term Disability (LTD)

LTD pays you a portion of your earnings if you cannot work for an extended period due to a disabling illness or injury.

Tarsus automatically provides coverage at no cost to eligible employees.

LTD benefits may be reduced by other disability income you receive, such as Social Security Disability benefits or Workers’ Compensation.

Voluntary Benefits

An unexpected illness or injury can bring extra expenses. Accident, Critical Illness, and Hospital Indemnity Insurance through Sun Life offer added protection to help with medical bills and everyday costs. Coverage is optional, and you pay premiums through convenient payroll deductions. Choose the protection that fits your needs and budget.

Accident Insurance Pays a lump-sum benefit for certain covered injuries and services, including fractures, dislocations, burns, emergency or urgent care, and physical therapy. The amount depends on the injury and care received, and you can use the payment however you choose.

Critical Illness Insurance Pays money directly to you after diagnosis of certain covered conditions, such as cancer, heart attack, or stroke. Use it for medical expenses, transportation, childcare, lost income, or other needs.

Hospital Indemnity Insurance Pays benefits directly to you following a covered hospital admission or stay. The payment is separate from what your medical plan pays and can help with deductibles, bills, groceries, or childcare.

Find Out More

Learn more on the benefits website.

Voluntary Financial Protection

From legal questions to identity theft, life can bring challenges that affect your finances. These optional benefits offer resources to help protect your identity, belongings, and budget. You pay the cost of these benefits through convenient payroll deductions, and group rates may be more affordable than purchasing similar protection on your own.

Legal Services Provides access to attorneys, document services, and online tools for covered matters such as wills, rental agreements, traffic tickets, home purchases, family matters, and certain tax concerns.

Identity Theft Protection Combines monitoring tools with expert restoration and resolution support. Specialists can help you respond and work through recovery if your identity is compromised.

Home and Auto Insurance Lets you request personalized quotes and access group rates through Farmers Insurance and MetLife. You may generally enroll or end coverage during the year and pay premiums through payroll deductions.

Find Out More

Learn more on the benefits website.

401(k) Retirement Plan

The Tarsus 401(k) Retirement Savings Plan through Fidelity helps you save for the future with convenient payroll deductions, a range of investment choices, and company matching contributions. You can choose traditional pre-tax contributions, Roth after-tax contributions, or a combination of both.

You are eligible to participate on your first day of employment. You can enroll, update contributions, designate beneficiaries, and manage your investments at any time.

Log in to your Fidelity 401(k) account at netbenefits.com or call 800-835-5095.

Get the Tarsus Match

Tarsus matches your contributions dollar-for-dollar up to 4% of eligible pay, plus 50% of the next 2% you contribute. Tarsus contributions are 100% vested after three years of service; refer to the Summary Plan Description for complete vesting details.

Traditional vs. Roth: Which Is Right for You?

You can select traditional and/or Roth 401(k) contributions. Understanding how each works can help you make the most of your retirement savings strategy.

Tarsus Stock Benefits

At Tarsus, we believe it’s important that every employee has a stake in our success. That’s why we offer opportunities to build your financial future through the Employee Stock Purchase Plan (ESPP) and stock awards.

Employee Stock Purchase Plan (ESPP)

Eligible Tarsans have two annual opportunities to enroll and purchase Tarsus stock at a discount through after-tax payroll deductions.

How It Works

*An annual $25,000 share-value limit applies.

Offering Periods:
January 1 – June 30 | Purchase date: June 30
July 1 – December 31 | Purchase date: December 31

Visit the Your Rewards page on the Tarsanet to learn more.
Questions? Contact Fidelity support services at 1-800-544-9354, or Tarsus Stock Plan Administration at tarsusequityadmin@tarsusrx.com.

Tarsan Extras

Tarsus provides practical support for the way you work, grow, stay active, and connect with colleagues. Eligibility and reimbursement requirements vary by benefit.

Professional Growth Eligible professional development expenses and membership fees may be reimbursed when they support your role or growth. Talk with your manager about your development goals, confirm eligibility, and obtain required approval before registering, joining, or purchasing. TRANSFORM

Connection and Community Company social activities and other events create opportunities to connect outside day-to-day work. Events and availability vary throughout the year and by location. EMPOWERMENT

Cell Phone Allowance Eligible Tarsans may receive a monthly cell phone allowance to help cover business use of a personal mobile phone. Eligible remote employees may also receive support for home internet costs. Hybrid work arrangements depend on role, team expectations, business needs, and company policy. EMPOWERMENT

Time Off

EMPOWERMENT

There is no one-size-fits-all balance between work and home. Tarsus provides flexible time off and leave programs so you can rest, recover from illness, care for personal and family needs, and make time for what matters.

Flexible Time Off (FTO)

FTO empowers eligible Tarsans to take full or partial days away as needed, subject to business requirements. FTO may be used for vacation, illness, caring for family, mental health days, holidays Tarsus does not formally observe, volunteer activities, bereavement, and jury duty when those needs do not fall under another leave policy.

Leaves of Absence (LOA)

Parental

We provide up to 16 weeks of paid leave (6-8 weeks of paid disability plus 8 weeks of parental leave) when you welcome a new child through birth, adoption, or foster placement.

FMLA

Eligible employees may take job-protected leave for certain family and medical reasons, including a serious health condition, caring for a family member, or the birth or placement of a child.

Learn more about your time off options in the Employee Handbook.

Go to the next page for more Time Off information.

Time Off (Continued)

Paid Holidays, Recharge Days & Wellness Breaks

Here’s the list of paid holidays, recharge days, and wellness breaks for 2027 so you can make the most of your time off.

Who to Contact

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Last updated: 11/02/2026