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Delivering Custom & Cost-Effective Health Insurance Benefits

A one-of-a-kind solution that can reduce health insurance costs by 18%. The Difference Card can often improve employee benefits without increasing costs to the employer.

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2024 Difference Card Wrapped

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Benefits for Our

Producer Partners

The Difference Card’s exclusive distribution strategy gives our producers a unique health insurance savings solution they can bring to their clients.

Become a Partner

  • Stand out in a crowd: The Difference Card’s unique health insurance plans can differentiate your agency in a crowded brokerage marketplace.
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  • Grow your agency: In 2024, The Difference Card strategy helped our Producers win 195 new “broker of record” accounts- resulting in $8.4 million of new revenue for our Partner Agencies.
    LEARN MORE
  • Retain your clients: The Difference Card is a long-term solution for the rising cost of healthcare. Our clients continue to see savings year after year.
    LEARN MORE
  • Strategic partners you can rely on: The Difference Card works closely with our strategic partners to deliver outstanding savings and customer service to our mutual clients.
    LEARN MORE

View Benefits

  • Stand out in a crowd: The Difference Card’s unique health insurance plans can differentiate your agency in a crowded brokerage marketplace.
    LEARN MORE
  • Grow your agency: In 2024, The Difference Card strategy helped our Producers win 195 new “broker of record” accounts- resulting in $8.4 million of new revenue for our Partner Agencies.
    LEARN MORE
  • Retain your clients: The Difference Card is a long-term solution for the rising cost of healthcare. Our clients continue to see savings year after year.
    LEARN MORE
  • Strategic partners you can rely on: The Difference Card works closely with our strategic partners to deliver outstanding savings and customer service to our mutual clients.
    LEARN MORE
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Benefits for Our

Employers Partners

With the Difference Card Team, you are never alone. Your dedicated client success team delivers health insurance savings while maintaining the highest level of benefits for your employees.

Learn More

  • Savings you can see: We can reduce medical insurance costs by 5-20% without reducing benefits. Clients on average can see an annual net savings of over $2,000 per employee, per year.
    LEARN MORE
  • Best-in-class benefits: With The Difference Card, you do not need to reduce benefits to see savings. There is no need to change providers and you can keep your current insurance carrier.
    LEARN MORE
  • The results speak for themselves: Difference Card clients are loyal to the program because they see the savings. We have a 90% retention rate because we help employers adopt a strategy that drives savings. After five years, most clients continue to spend less on health benefits than they did before implementing The Difference Card.
    LEARN MORE
  • Guaranteed savings for peace of mind: We offer the ability to limit your claim exposure and underwrite your plan with The Difference Guarantee. The Difference Guarantee is insured by an A rated division of Assurant.
    LEARN MORE

View Benefits

  • Savings you can see: We can reduce medical insurance costs by 5-20% without reducing benefits. Clients on average can see an annual net savings of over $2,000 per employee, per year.
    LEARN MORE
  • Best-in-class benefits: With The Difference Card, you do not need to reduce benefits to see savings. There is no need to change providers and you can keep your current insurance carrier.
    LEARN MORE
  • The results speak for themselves: Difference Card clients are loyal to the program because they see the savings. We have a 90% retention rate because we help employers adopt a strategy that drives savings. After five years, most clients continue to spend less on health benefits than they did before implementing The Difference Card.
    LEARN MORE
  • Guaranteed savings for peace of mind: We offer the ability to limit your claim exposure and underwrite your plan with The Difference Guarantee. The Difference Guarantee is insured by an A rated division of Assurant.
    LEARN MORE
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Benefits for Our

Member Partners

The Difference Card provides you with personalized support and an efficient system to get reimbursed quickly.

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  • Reduce your out-of-pocket spend: Our goal is to help you generate savings so you are putting more of your take home pay in your pocket. We reduce the burden of healthcare by lowering the amount you pay on some claims. When your health insurance company says it is your time to pay, we help you.
    LEARN MORE
  • Where you go, we go: Our smart mobile app gives you the ability to check your account balance from anywhere. You can also view transaction details, submit a claim with the click of a picture, get access to prescription discounts, and find quality care near you.
    LEARN MORE
  • Get paid quickly: No one likes medical bills, but we are here to help pay for them. Snap a picture of your documentation and submit a claim to get your money quickly. We process 99% of claims within two business days.
    LEARN MORE
  • Health is wealth: Every member gets access to our Wellness Platform where you can access tools for all dimensions of wellness: physical, emotional, spiritual, occupational, social, and intellectual well-being.
    LEARN MORE

View Benefits

  • Reduce your out-of-pocket spend: Our goal is to help you generate savings so you are putting more of your take home pay in your pocket. We reduce the burden of healthcare by lowering the amount you pay on some claims. When your health insurance company says it is your time to pay, we help you.
    LEARN MORE
  • Where you go, we go: Our smart mobile app gives you the ability to check your account balance from anywhere. You can also view transaction details, submit a claim with the click of a picture, get access to prescription discounts, and find quality care near you.
    LEARN MORE
  • Get paid quickly: No one likes medical bills, but we are here to help pay for them. Snap a picture of your documentation and submit a claim to get your money quickly. We process 99% of claims within two business days.
    LEARN MORE
  • Health is wealth: Every member gets access to our Wellness Platform where you can access tools for all dimensions of wellness: physical, emotional, spiritual, occupational, social, and intellectual well-being.
    LEARN MORE
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About us

The Difference Card Advantage

The Difference Card disrupts the healthcare status quo by helping clients create unique benefit plan designs. These plans allow you to lower your health care costs while maintaining a level of benefits that exceeds your company’s expectations.

  • Statistics

    Custom Benefit Plans: Creating benefit plans that fits the needs of our members, while lowering the employer health benefits spend by 18%, on average.

  • Planning

    Guaranteed Savings: Using the power of data to design custom benefit plans based on 20 years of usage analytics to GUARANTEE savings.

  • Insurance

    Superior Service: Providing world-class service with dedicated Client Success Teams and exceptional Member Service Call Center Representatives.

$1.8 Billion

In total savings provided to our clients since our founding in 2001.

19.6% Savings

The average amount of savings our Employer Groups see in the first year.

2 Days

99% of claims submitted to The Difference Card are processed in two days or less.

41 Seconds

The average wait time when calling our Member Services phone line.

Testimonials

Hear From People Just Like You

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More Insights

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Here is what happens to your HSA if you leave your job Here is what happens to your HSA if you leave your job

What Happens to Your HSA if You Leave Your Job?

If you've been laid off or decided to leave your job, you may be wondering what will happen to your health savings accou...

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Here is what happens to your HSA if you leave your job

What Happens to Your HSA if You Leave Your Job?

If you've been laid off or decided to leave your job, you may be wondering what will happen to your health savings accou...

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Videos

Introducing The Difference Card

Welcome to The Difference Card!

This 2-minute video introduces our members to The Difference Card and explains how our health insurance solution works with your underlying medical plan.

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Introducing The Difference Card

Videos

Introducing The Difference Card

Welcome to The Difference Card!

This 2-minute video introduces our members to The Difference Card and explains how our health insurance solution works with your underlying medical plan.

WATCH MORE VIDEOSRequest a proposal

Introducing The Difference Card

Producers

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    " + "" + "" + //ENG-1082 "\"" + chatbtn_tooltip_text + "\""; /* " "; */ doc.getElementById("widgetlbtn").style.color = color; doc.getElementById("widgetlbtn").style.backgroundColor = msg.widgetcolor; doc.getElementById("widgetlbtn").style.display = 'block'; count = count != undefined ? count : 0; doc.getElementById("spnwidgetlbtn").setAttribute("aria-label", "Chat , " + count + " unread messages"); //ENG-1082 doc.getElementById("widgetlbtn").addEventListener('click', function () { console.log("switchicon called"); if (parent.IMIChatInit != undefined) { parent.IMIChatInit.chatswitchicon(); } else { IMIChatInit.chatswitchicon(); } }); doc.getElementById("widgetlbtn").addEventListener('keydown', function (e) { if (e.key === 'Tab' && !e.shiftKey) { e.preventDefault(); var widgetmainIframe = window.parent.document.getElementById("iframechatwindow"); if (document.getElementById("divchatmain").style.display == "block") { widgetmainIframe.contentWindow.postMessage({ action: 'widgetbuttonkeypress', }, "*"); } this.blur(); } }); document.getElementById('imi-chatbutton').style.display = "block"; //console.log( doc.getElementById("widgetlbtn")); /*$('[data-toggle=\"tooltip\"]').tooltip();*/ // doc.close(); /* for test */ var doc1 = document.getElementById('chatunread-frame').contentWindow.document; // doc1.open(); doc1.head.innerHTML = "" + ""; //ENG-985 doc1.body.innerHTML = "x
    x
    "; // ""+ //"" + //""; //doc1.close(); doc1.getElementsByTagName('html')[0].classList.add('imichatmsgpreview'); doc1.getElementById("ancclearcards").addEventListener('click', function () { if (parent.IMIChatInit != undefined) { parent.IMIChatInit.clearmsgcards(); } else { IMIChatInit.clearmsgcards(); } }); doc1.getElementById("greetingancclearcards").addEventListener('click', function () { if (parent.IMIChatInit != undefined) { parent.IMIChatInit.cleargreetingmsgcards(); } else { IMIChatInit.cleargreetingmsgcards(); } }); document.getElementById('chatunread-frame').style.display = "block"; this.bindGreetingMessage(msg); IMIGeneral.storeLocal("style_" + document.getElementById("divicw").getAttribute("data-bind") + "_" + window.location.hostname, msg); document.getElementById('chatbutton').style.display = "block"; } else { document.getElementById("divicw").innerHTML = ''; } } catch (e1) { } }, bindGreetingMessage: function (data) { if (sessionStorage.getItem("webex_engage_greetingmessage_shown") != null && sessionStorage.getItem("webex_engage_greetingmessage_shown") != undefined) { return; } if (data.greetingmessage == undefined || data.greetingmessage == null || data.greetingmessage == '') { return; } var node = document.createElement("div"); var node1 = document.createElement("div"); var textnode = document.createTextNode(IMIChatInit.extractContent(data.greetingmessage)); node.className = "msg"; node.style = "cursor:pointer;"; node.setAttribute("tabindex", "0"); //ENG-1065 and ENG-3621 for tabindex node1.className = "msgclear"; node.id = "msg_greetingmessage"; // Create a text node node1.id = "msgclear_greetingmessage"; node1.style = "clear:both;"; node1.addEventListener('click', function () { console.log("switchicon called"); if (parent.IMIChatInit != undefined) { parent.IMIChatInit.chatswitchicon(); } else { IMIChatInit.chatswitchicon(); } }); node.addEventListener('click', function () { console.log("switchicon called"); if (parent.IMIChatInit != undefined) { parent.IMIChatInit.chatswitchicon(); } else { IMIChatInit.chatswitchicon(); } }); var span = document.createElement("span"); span.innerHTML = '' + data.name + ':'; node.appendChild(span); node.appendChild(textnode); var referenceNode = document.getElementById('chatunread-frame').contentWindow.document.getElementById("greeting-msg-list"); // document.querySelector('#some-element'); referenceNode.appendChild(node); referenceNode.appendChild(node1); document.getElementsByClassName("main-unreadchat-cont")[0].style.height = "100%"; document.getElementById('chatunread-frame').contentWindow.document.getElementById("greetingancclearcards").style.display = "block"; sessionStorage.setItem("webex_engage_greetingmessage_shown", 1) }, bindCookieConsentGreetingMessage: function (hue, saturation, lightness1, lightness2) { if (sessionStorage.getItem("webex_engage_greetingmessage_shown") != null && sessionStorage.getItem("webex_engage_greetingmessage_shown") != undefined) { return; } if (cookieConsentWidgetOptions.greetingMessage == undefined || cookieConsentWidgetOptions.greetingMessage == null || cookieConsentWidgetOptions.greetingMessage == '') { return; } var doc1 = document.getElementById('chatunread-frame').contentWindow.document; doc1.head.innerHTML = "" + ""; doc1.body.innerHTML = "x
    x
    " + cookieConsentWidgetOptions.displayName + "" + cookieConsentWidgetOptions.greetingMessage + "
    "; doc1.getElementsByTagName('html')[0].classList.add('imichatmsgpreview'); document.getElementById('chatunread-frame').style.display = "block"; document.getElementsByClassName("main-unreadchat-cont")[0].style.height = "100%"; document.getElementById('chatunread-frame').contentWindow.document.getElementById("greetingancclearcards").style.display = "block"; sessionStorage.setItem("webex_engage_greetingmessage_shown", 1) }, loadCookieConsentWidgetStyles: function () { try { if (cookieConsentWidgetOptions != '' && cookieConsentWidgetOptions != undefined && cookieConsentWidgetOptions != null && cookieConsentWidgetOptions != 'null') { buttonType = cookieConsentWidgetOptions.buttonType; var color = "#ffffff"; var lightness1 = 0; var lightness = 0; try { var widgcolor = cookieConsentWidgetOptions.widgetColor; r = parseInt(widgcolor.substr(1, 2), 16); g = parseInt(widgcolor.substr(3, 2), 16); b = parseInt(widgcolor.substr(5, 2), 16); hue = IMIGeneral.rgbToHsl(r, g, b)[0] * 360; saturation = IMIGeneral.rgbToHsl(r, g, b)[1] * 100; lightness = IMIGeneral.rgbToHsl(r, g, b)[2] * 100; lightness1 = lightness + 10; lightness2 = 95; var lightness3 = 98; var lightness4 = lightness + 10; if (lightness > 80) { color = "#333333"; } } catch (e1) { } var badgecount = " {1} "; badgecount = badgecount.replace("{0}", "style=\"display:none;\"").replace("{1}", ""); var chatbtn_tooltip_text = IMILocalisation.getValue(cookieConsentWidgetOptions.widgetLang, "chat_button_tooltip", "Live Chat"); _IMIchat_widget_lang = cookieConsentWidgetOptions.widgetLang; var doc = document.getElementById('imi-chatbutton').contentWindow.document; doc.body.innerHTML = "" + "" + "" + "" + "" + ""; doc.getElementById("cookieconsentwidgetlbtn").style.color = color; doc.getElementById("cookieconsentwidgetlbtn").style.backgroundColor = cookieConsentWidgetOptions.widgetColor; doc.getElementById("cookieconsentwidgetlbtn").style.display = 'block'; doc.getElementById("cookieconsentwidgetlbtn").addEventListener('click', function () { if (parent.IMIChatInit != undefined) { parent.IMIChatInit.chatcookieconsentswitchicon(); } else { IMIChatInit.chatcookieconsentswitchicon(); } }); document.getElementById('imi-chatbutton').style.display = "block"; document.getElementById('chatunread-frame').style.display = "block"; doc.getElementById("cookieconsentwidgetlbtn").addEventListener('keydown', function (e) { if (e.key === 'Tab' && !e.shiftKey) { //debugger; e.preventDefault(); var widgetmainIframe = window.parent.document.getElementById("iframecookieconsentwindow"); if (document.getElementById("divchatmain").style.display == "block") { widgetmainIframe.contentWindow.postMessage({ action: 'cookieconsentbuttonkeypress', }, "*"); this.blur(); } } }); this.bindCookieConsentGreetingMessage(hue, saturation, lightness1, lightness2); document.getElementById('chatbutton').style.display = "block"; } else { document.getElementById("divicw").innerHTML = ''; } } catch (e1) { } }, acceptCookies: function (element) { if (IMIChatInit.checklocalStorage()) { localStorage.setItem("webex_engage_cookieconsent_accepted", 1); IMIChatInit.init(); } else { document.getElementById("divicw").innerHTML = "
    \n \n \nError:
    Cookies Disabled

    We use cookies to enable best chat experience. Follow these directions to re-enable cookies specific to your browser type or re-open this website in a cookie-enabled browser.

    "; console.log("Local storage not supported"); } }, chatswitchicon: function (type) { console.log("Chatswitchicon::" + type); try { /*type=1-max and 0- min */ var isMobile = "0"; // if (window.innerWidth > 768) { // document.getElementById('divchatmain').className = 'main-chat-cont'; // } else { // document.getElementById('divchatmain').className = 'main-chat-cont chatmobile'; // isMobile="1"; // } if ((navigator.userAgent.indexOf("Mobile")) != -1) { isMobile = "1"; } sessionStorage.setItem("webex_engage_data-bind", document.getElementById("divicw").getAttribute("data-bind")); sessionStorage.setItem("webex_engage_data-org", document.getElementById("divicw").getAttribute("data-org")); var iframe = document.getElementById('imi-chatbutton'); if (iframe == null || iframe == undefined) return; var innerDoc = iframe.contentDocument || iframe.contentWindow.document; //Open Widget if (document.getElementById("divchatmain").style.display === 'none' && (type == 1 || type == 2 || type == undefined)) { document.getElementById("divchatmain").style.display = "block"; IMIGeneral.checkmobile(); var widgetmain = document.getElementById("iframechatwindow");//ENG-1034 widgetmain.contentWindow.focus();//ENG-1034 widgetmain.contentWindow.postMessage({ action: 'widgetbuttonkeypress', }, "*"); //if ((window.outerWidth < 497) && (document.documentElement.classList.contains('imichatmobile-active') == false) && document.getElementById("divchatmain").style.display == "block") { var className = " " + document.documentElement.className + " "; if ((window.outerWidth < 700) && (" " + className + " ").replace(/[\n\t]/g, " ").indexOf("imichatmobile-active") > -1 && document.getElementById("divchatmain").style.display == "block") { // if((document.documentElement.classList.value.split(/\s+|\./).filter(word => word === 'imichatmobile-active').length==1) == false){ document.documentElement.classList.remove("imichatmobile-active"); document.documentElement.className = document.documentElement.className + " imichatmobile-active"; // } } else { document.documentElement.className = document.documentElement.className.replace(' imichatmobile-active', ''); } document.getElementById('chatunread-frame').style.display = "none"; innerDoc.getElementById("widgetlbtn").setAttribute("class", "open-btn state1 " + buttonType + " close-btn"); // innerDoc.getElementById("widgetlbtn").setAttribute("aria-label", "Close web chat"); innerDoc.getElementById("widgetlbtn").setAttribute("aria-expanded", "true"); document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").style.display = "none"; document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").innerText = ""; localStorage.setItem(fingerprint + "_" + _skey + "_badgecount", 0); localStorage.setItem(fingerprint + "_" + _skey + "_cardcount", 0); IMIChatInit.clearmsgcards(); IMIChatInit.cleargreetingmsgcards(); // if (IMIGeneral.getBrowserName() == "safari") { // if (IMIGeneral.detectIOS()) { // document.body.classList.add('chatnoscroll'); // } // } if (type === undefined) { var destination = document.getElementById('iframechatwindow').contentWindow; msg = { "action": "showiframe", "host": window.location.hostname, "chatmobile": isMobile }; destination.postMessage(msg, domainUrl); document.getElementById("iframechatwindow").setAttribute("aria-hidden", "false"); } return; } //Close Widget if (document.getElementById("divchatmain").style.display === 'block' && (type == 0 || type == 2 || type == undefined)) { document.documentElement.className = document.documentElement.className.replace(' imichatmobile-active', ''); //document.body.classList.remove('chatnoscroll'); document.getElementById("divchatmain").style.display = "none"; innerDoc.getElementById("widgetlbtn").setAttribute("class", "open-btn state " + buttonType); innerDoc.getElementById("widgetlbtn").setAttribute("aria-expanded", "false"); innerDoc.getElementById("widgetlbtn").focus(); innerDoc.getElementById("cookieconsentwidgetlbtn").focus(); document.getElementById('chatunread-frame').style.display = "block"; localStorage.setItem(fingerprint + "_" + _skey + "_cardcount", 0); document.getElementById("iframechatwindow").setAttribute("aria-hidden", "true"); return; } //var iframeEl = document.getElementById("iframechatwindow"); // Make sure you are sending a string, and to stringify JSON // iframeEl.contentWindow.postMessage("hello", '*'); return; } catch (e) { console.log("LaunchProactiveMsgManager:" + e.msg); } }, chatcookieconsentswitchicon: function (type) { try { var isMobile = "0"; if ((navigator.userAgent.indexOf("Mobile")) != -1) { isMobile = "1"; } var iframe = document.getElementById('imi-chatbutton'); if (iframe == null || iframe == undefined) return; var innerDoc = iframe.contentDocument || iframe.contentWindow.document; //Open Widget if (document.getElementById("divchatmain").style.display === 'none' && (type == 1 || type == 2 || type == undefined)) { document.getElementById("divchatmain").style.display = "block"; IMIGeneral.checkmobile(); var widgetcookieconsent = document.getElementById('iframecookieconsentwindow').contentWindow; widgetcookieconsent.postMessage({ action: 'cookieconsentbuttonkeypress', }, "*"); var className = " " + document.documentElement.className + " "; //if ((window.outerWidth < 700) && (" " + className + " ").replace(/[\n\t]/g, " ").indexOf("imichatmobile-active") > -1 && document.getElementById("divchatmain").style.display == "block") { // // if((document.documentElement.classList.value.split(/\s+|\./).filter(word => word === 'imichatmobile-active').length==1) == false){ // document.documentElement.classList.remove("imichatmobile-active"); // document.documentElement.className = document.documentElement.className + " imichatmobile-active"; // // } //} else { // document.documentElement.className = document.documentElement.className.replace(' imichatmobile-active', ''); //} document.getElementById('chatunread-frame').style.display = "none"; innerDoc.getElementById("cookieconsentwidgetlbtn").setAttribute("class", "open-btn state1 " + buttonType + " close-btn"); innerDoc.getElementById("cookieconsentwidgetlbtn").setAttribute("aria-expanded", "true"); document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").style.display = "none"; document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").innerText = ""; //IMIChatInit.clearmsgcards(); if (type === undefined) { var destination = document.getElementById('iframecookieconsentwindow').contentWindow; msg = { "action": "showiframe", "host": window.location.hostname, "chatmobile": isMobile }; destination.postMessage(msg, domainUrl); document.getElementById("iframecookieconsentwindow").setAttribute("aria-hidden", "false"); } IMIChatInit.cleargreetingmsgcards(); return; } //Close Widget if (document.getElementById("divchatmain").style.display === 'block' && (type == 0 || type == 2 || type == undefined)) { document.documentElement.className = document.documentElement.className.replace(' imichatmobile-active', ''); document.getElementById("divchatmain").style.display = "none"; innerDoc.getElementById("cookieconsentwidgetlbtn").setAttribute("class", "open-btn state " + buttonType); innerDoc.getElementById("cookieconsentwidgetlbtn").setAttribute("aria-expanded", "false"); if (innerDoc.getElementById("cookieconsentwidgetlbtn")) { innerDoc.getElementById("cookieconsentwidgetlbtn").focus(); document.addEventListener('keydown', function (event) { if (event.key === "Tab") { event.preventDefault(); if (innerDoc.getElementById("ancclearcards")) { innerDoc.getElementById("ancclearcards").focus(); } else if (innerDoc.getElementById("greetingancclearcards")) { innerDoc.getElementById("greetingancclearcards").focus(); } } }); } document.getElementById('chatunread-frame').style.display = "block"; document.getElementById("iframecookieconsentwindow").setAttribute("aria-hidden", "true"); return; } return; } catch (e) { console.log("LaunchProactiveMsgManager:" + e.msg); } }, clearmsgcards: function () { document.getElementById('chatunread-frame').contentWindow.document.getElementById("msg-list").innerHTML = ""; document.getElementById('chatunread-frame').contentWindow.document.getElementById("ancclearcards").style.display = "none"; //document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").style.display = "none"; //document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").innerText == ""; localStorage.setItem(fingerprint + "_" + _skey + "_cardcount", 0); }, cleargreetingmsgcards: function () { document.getElementById('chatunread-frame').contentWindow.document.getElementById("greeting-msg-list").innerHTML = ""; document.getElementById('chatunread-frame').contentWindow.document.getElementById("greetingancclearcards").style.display = "none"; }, openchat: function (event) { document.getElementById('imichat-fullscreen-modal').className = 'imichat-fullscreen-modal'; document.getElementById('imichat-fullscreen-modal').removeAttribute('tabindex'); document.getElementById('imichat-fullscreen-modal').removeAttribute('aria-hidden'); var destination = document.getElementById('iframechatwindow').contentWindow; destination.postMessage({ action: 'openchat', threadid: event.data.threadid, proactive_id: event.data.proactive_id }, '*'); if (parent.IMIChatInit != undefined) { parent.IMIChatInit.chatswitchicon(2); } else { IMIChatInit.chatswitchicon(2); } }, extractContent: function (s) { var span = document.createElement('span'); span.innerHTML = s; return span.textContent || span.innerText; }, badgecount: function (event) { try { if (document.getElementById("divchatmain").style.display === 'none') { var count = document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").innerText; if (count == 0 || count == "") { count = 1; } else { count = parseInt(count) + 1; } var duplicate = 0; var innerDivs; var innerDivsCount = 0; var refChild; IMIChatInit.clearmsgcards(); var containerDiv = document.getElementById('chatunread-frame').contentWindow.document.getElementById("msg-list"); if (count > 1) { innerDivs = containerDiv.getElementsByClassName("msg"); if (innerDivs != undefined) { innerDivsCount = innerDivs.length; for (var i = 0; i < innerDivs.length; i++) { if ("msg_" + event.data.msgtransid == innerDivs[i].id) { duplicate = 1; } } refChild = innerDivs[0]; } } var cardcount; var checkbadgecount; if (innerDivs == undefined) { localStorage.setItem(event.data.fingerprint + "_" + _skey + "_cardcount", 1); } document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").style.display = "block"; if (duplicate == 0) { if (parseInt(innerDivsCount) == 5) { containerDiv.removeChild(document.getElementById('chatunread-frame').contentWindow.document.getElementsByClassName('msg')[4]); containerDiv.removeChild(document.getElementById('chatunread-frame').contentWindow.document.getElementsByClassName('msgclear')[4]); innerDivsCount = innerDivsCount - 1; } if ((parseInt(innerDivsCount) < 1 && event.data.badge_type === undefined) || event.data.badge_type === 2 || event.data.badge_type === 3) { var node = document.createElement("div"); var node1 = document.createElement("div"); var textnode = document.createTextNode(IMIChatInit.extractContent(event.data.msg)); if (textnode.data.length > 45) { if (event.data.badge_type === undefined || event.data.badge_type === 2) { textnode.data = textnode.data.substr(0, 45) + "..."; } else { textnode.data = textnode.data; } } node.className = "msg"; node.style = "cursor:pointer;"; node.setAttribute("tabindex", "0"); //ENG-1065 and ENG-3621 for tabindex node1.className = "msgclear"; node.id = "msg_" + event.data.msgtransid; // Create a text node node1.id = "msgclear_" + event.data.msgtransid; node1.style = "clear:both;"; node.addEventListener("click", function () { window.parent.postMessage({ action: 'openchat', threadid: event.data.threadid, proactive_id: event.data.proactive_id }, '*'); }); node1.addEventListener("click", function () { window.parent.postMessage({ action: 'openchat', threadid: event.data.threadid, proactive_id: event.data.proactive_id }, '*'); }); if (event.data.msg_from !== undefined && event.data.msg_from !== "") { var span = document.createElement("span"); //var span span.innerHTML = '' + event.data.msg_from + ':'; node.appendChild(span); } else if (event.data.msg_from === undefined || event.data.msg_from == "") { var span = document.createElement("span"); //var span span.innerHTML = 'New Conversation:'; node.appendChild(span); } node.appendChild(textnode); var height = document.getElementsByClassName('main-unreadchat-cont')[0].style.height; if (height == "") { height = 70; } if (innerDivsCount == 0) { height = document.getElementsByClassName('main-unreadchat-cont')[0].style.height = "100%"; } /* else if (innerDivsCount == 2) { height = document.getElementsByClassName('main-unreadchat-cont')[0].style.height = "150px"; } else if (innerDivsCount > 2) {*/ else { document.getElementsByClassName('main-unreadchat-cont')[0].style.height = parseInt(height) + 60 + "px"; } var referenceNode = document.getElementById('chatunread-frame').contentWindow.document.getElementById("msg-list"); // document.querySelector('#some-element'); if (innerDivsCount == 0) { referenceNode.appendChild(node); referenceNode.appendChild(node1); } else { referenceNode.insertBefore(node, refChild); referenceNode.insertBefore(node1, refChild); if ((window.innerHeight + 100) < (document.getElementsByClassName("main-unreadchat-cont")[0].style.height)) { var frame = document.getElementById('chatunread-frame'); var c = frame.contentDocument || frame.contentWindow.document; c.getElementsByTagName("body")[0].offsetHeight = '80%'; c.getElementsByTagName("body")[0].style.overflow = "auto"; } } if (event.data.badge_type === 3) { document.getElementsByClassName("main-unreadchat-cont")[0].style.height = "100%"; var frame = document.getElementById('chatunread-frame'); var c = frame.contentDocument || frame.contentWindow.document; c.getElementsByClassName("msg")[0].style.maxHeight = "unset"; var frameheight = c.getElementsByTagName("body")[0].offsetHeight; document.getElementsByClassName("main-unreadchat-cont")[0].style.height = frameheight + "px"; } } else if (event.data.badge_type === 4) { var fullscreen_modal = document.getElementById('imichat-fullscreen-modal'); fullscreen_modal.className = 'imichat-fullscreen-modal imichat-open'; fullscreen_modal.contentWindow.postMessage({ action: 'bind_data', proactive_id: event.data.proactive_id, threadid: event.data.threadid, msg_from: event.data.msg_from, msg: event.data.msg, btn_chat_now_open: IMILocalisation.getValue(_IMIchat_widget_lang, "proactive_poupup_chat_now_button", "Chat Now"), btn_chat_now_close: IMILocalisation.getValue(_IMIchat_widget_lang, "proactive_poupup_close_button", "Close") }, "*"); } cardcount = parseInt(localStorage.getItem(event.data.fingerprint + "_" + _skey + "_cardcount")) + 1; localStorage.setItem(event.data.fingerprint + "_" + _skey + "_cardcount", cardcount); localStorage.setItem("fingerprint", event.data.fingerprint); localStorage.setItem(event.data.fingerprint + "_" + _skey + "_badgecount", count); document.getElementById('imi-chatbutton').contentWindow.document.getElementById("chattotalbadge").innerText = count; if (count > 0) { //to do for ENG-1082 get localisation for chat button tooltip with count //ENG-1055 document.getElementById('imi-chatbutton').contentWindow.document.getElementById("spnwidgetlbtn").setAttribute("aria-label", "Chat , " + count + " unread messages"); //ENG-1082 } else { document.getElementById('imi-chatbutton').contentWindow.document.getElementById("spnwidgetlbtn").setAttribute("aria-label", "Chat , " + count + " unread messages"); //ENG-1082 } } document.getElementById('chatunread-frame').style.display = (event.data.badge_type === undefined || (event.data.badge_type === 2 || event.data.badge_type === 3)) ? "block" : "none"; document.getElementById('chatunread-frame').contentWindow.document.getElementById("ancclearcards").style.display = (event.data.badge_type === undefined || (event.data.badge_type === 2 || event.data.badge_type === 3)) ? "block" : "none"; } } catch (e) { console.log("badgecount:" + e.msg); } }, message: function (event) { try { if (event.data.action != null) { if (event.data.action == 'openchat') { IMIChatInit.openchat(event); } if (event.data.action == 'badgecount') { IMIChatInit.badgecount(event); } if (event.data.action == 'chatswitchicon') { IMIChatInit.chatswitchicon(); //event } if (event.data.action == 'imichat_custom_chat_fields') { if (event.data.type == 'add') { if (_IMIchat_callback_dic['imichat-widget:custom_chat_fields_init'] !== undefined) { _IMIchat_callback_dic['imichat-widget:custom_chat_fields_init'](event.data.response); } } else if (event.data.type == 'update') { if (_IMIchat_callback_dic['imichat-widget:custom_chat_fields_update'] !== undefined) { _IMIchat_callback_dic['imichat-widget:custom_chat_fields_update'](event.data.response); } }//event } if (event.data.action == 'acceptCookies') { IMIChatInit.acceptCookies(); } if (event.data.action == 'widgettabkeypress') { var forkeyboard = document.getElementById('imi-chatbutton').contentWindow.document; forkeyboard.getElementById("widgetlbtn").focus(); } if (event.data.action == 'cookieconsenttabkeypress') { var forkeyboard = document.getElementById('imi-chatbutton').contentWindow.document; forkeyboard.getElementById("cookieconsentwidgetlbtn").focus(); } if (event.data.action == 'loadcookieconsentwidgetstyles') { IMIChatInit.loadCookieConsentWidgetStyles(); } if (event.data.action == 'loadstyles') { IMIChatInit.loadJQuery(_wxengage_domain_name, function () { IMIChatInit.loadwidgetStyles(event.data.message); try { if (event.data.message != null) { if (_IMIchat_callback_dic['imichat-widget:ready'] !== undefined) { _IMIchat_callback_dic['imichat-widget:ready'](_wxengage_attr_key); console.log("imichat-widget:ready fired"); } //eval('imichatWidgetLoaded();'); if (_IMIchat_callback_dic['imichat-widget:custom_chat_fields_init'] !== undefined) { _IMIchat_callback_dic['imichat-widget:custom_chat_fields_init'](); }// debugger; var widget_data = JSON.parse(event.data.message); hdr_bfp = widget_data.hdr_bfp; hdr_xtoken = widget_data.hdr_xtoken; hdr_tid = widget_data.hdr_tid; is_abandonded = widget_data.abandon_chats } } catch (e) { } IMIChatInit.LaunchProactiveMsgManager(_wxengage_domain_name, function () { }); IMIChatInit.handleAbandonedChats(); }); } if (event.data.action == 'closemodelpopup') { document.getElementById('imichat-fullscreen-modal').className = 'imichat-fullscreen-modal'; document.getElementById('imichat-fullscreen-modal').setAttribute('tabindex', '-1'); document.getElementById('imichat-fullscreen-modal').setAttribute('aria-hidden', 'true'); } if (event.data.action == 'setsession') { sessionStorage.setItem(event.data.key, event.data.value); } if (event.data.action == 'setlocal') { localStorage.setItem(event.data.key, event.data.value); } if (event.data.action == 'browserstorage') { document.getElementById("divicw").innerHTML = "
    \n \n \nError:
    Cookies Disabled

    We use cookies to enable best chat experience. Follow these directions to re-enable cookies specific to your browser type or re-open this website in a cookie-enabled browser.

    "; console.log("Local storage not supported"); } if (event.data.action == 'clearallsessionkeys') { sessionStorage.clear(); } if (event.data.action == 'clearalllocalstoragekeys') { localStorage.clear(); } if (event.data.action == 'cookierejectreload') { IMIChatInit.removeStorageKeysWhenCookieRejected(); IMIChatInit.init(); } } } catch (e) { } }, resize: function () { try { var destination = document.getElementById('iframechatwindow').contentWindow; destination.postMessage({ action: 'resize', width: window.outerWidth //window.innerWidth//screen.width // document.body.clientWidth }, "*"); IMIGeneral.checkmobile(); } catch (e) { } }, removeStorageKeysWhenCookieRejected: function () { sessionStorage.removeItem(_wxengage_attr_key + "_imichat-reload-check"); sessionStorage.removeItem("webex_engage_data-bind"); sessionStorage.removeItem("webex_engage_data-org"); sessionStorage.removeItem("webex_engage_greetingmessage_shown") localStorage.removeItem(fingerprint + "_" + _skey + "_badgecount"); localStorage.removeItem(fingerprint + "_" + _skey + "_cardcount"); localStorage.removeItem("style_" + document.getElementById("divicw").getAttribute("data-bind") + "_" + window.location.hostname); localStorage.removeItem("webex_engage_customer_first_seen"); localStorage.removeItem("webex_engage_customer_last_seen"); localStorage.removeItem("webex_engage_customer_last_seen_interval_id"); localStorage.removeItem("webex_engage_executed_proactive_ids"); localStorage.removeItem("fingerprint"); localStorage.removeItem("webex_engage_repeat_customer"); sessionStorage.removeItem("webex_engage_imichat_hasinitconvexist"); localStorage.removeItem("webex_engage_cookieconsent_accepted"); }, clearBrowserStorage: function () { try { IMIChatInit.removeStorageKeysWhenCookieRejected(); var destination = document.getElementById('iframechatwindow').contentWindow; destination.postMessage({ action: 'clearbrowserstorage', width: window.outerWidth //window.innerWidth//screen.width // document.body.clientWidth }, "*"); IMIChatInit.verifyCookieConsent(); console.log("browser storage cleared"); } catch (e) { } }, LaunchProactiveMsgManager: function (domainName, callback) { try { var widget_styles = localStorage.getItem("style_" + document.getElementById("divicw").getAttribute("data-bind") + "_" + window.location.hostname); if (widget_styles == null && !JSON.parse(widget_styles).enable_proactive) { callback(); return; } var body = document.getElementsByTagName('body')[0]; var script = document.createElement('script'); script.type = 'text/javascript'; script.src = IMIChatInit.domainName() + '/js/proactive-msg-manager.js'; body.appendChild(script); script.addEventListener('load', function (event) { console.log('proactive manager loaded;'); var destination = document.getElementById('iframechatwindow').contentWindow; destination.postMessage({ action: 'proactive-manager-loaded', attrkey: document.getElementById("divicw").getAttribute("data-bind"), host: window.location.hostname }, "*"); callback(); }); } catch (e) { console.log("LaunchProactiveMsgManager:" + e.msg); } }, processAbandonedChats: function (type) { if (!imichatwidget.hasInitiatedChat()) { return; } if (is_abandonded == false) { return; } var browser_fingerprint = localStorage.getItem("fingerprint"); var url = IMIGeneral.profileUrl() + "livechats/" + _wxengage_attr_key + "/customers/" + browser_fingerprint + "/abandoned?host=" + window.document.URL; url = url + "&type=" + type; var body = JSON.stringify({ "is_reloaded": false, "is_closechat": true }); var headers = { 'type': 'application/json', 'fpid': hdr_bfp, 'Tid': hdr_tid, 'X-Token': hdr_xtoken }; var blob = new Blob([body], headers); navigator.sendBeacon(url); }, handleAbandonedChats: function () { // Attach the event keypress to exclude the F5 refresh //jQuery(window).on('keydown', function (e) { window.addEventListener('keydown', function (e) { if (e.keyCode == 116) { _IMIchat_IsValidNavigation = true; } }); window.addEventListener("beforeunload", function (e) { sessionStorage.setItem(_wxengage_attr_key + "_imichat-reload-check", document.referrer); console.log(document.referrer); //sessionStorage.setItem("imi_tabid", Math.random().toString(16).slice(2)); if (_IMIchat_IsValidNavigation !== undefined && !_IMIchat_IsValidNavigation) { IMIChatInit.processAbandonedChats("unload"); } }); if (window.performance.navigation.type == 1) { IMIChatInit.processAbandonedChats("load"); } }, loadJQuery: function (domainName, callback) { if (typeof (jQuery) !== 'undefined') { callback(); return; } var body = document.getElementsByTagName('body')[0]; var script = document.createElement('script'); script.type = 'text/javascript'; script.src = domainName + '/js/jquery.min.js'; body.appendChild(script); script.addEventListener('load', function (event) { callback(); }); return; }, on: function (func_name, callback) { if (typeof callback != 'function') { console.error('function was expected.'); return; } switch (func_name) { case 'imichat-widget:ready': _IMIchat_callback_dic['imichat-widget:ready'] = callback; break; } }, checklocalStorage: function () { var test = 'test'; try { localStorage.setItem(test, test); localStorage.removeItem(test); return true; } catch (e) { return false; } }, call_previous_chats: function () { try { var destination = document.getElementById('iframechatwindow').contentWindow; msg = { "action": "showiframe", "host": window.location.hostname, "chatmobile": ((navigator.userAgent.indexOf("Mobile")) != -1) ? "1" : "0" }; destination.postMessage(msg, domainUrl); } catch (e) { } }, check_clear_session_chats: function () { if (document.referrer == sessionStorage.getItem(_wxengage_attr_key + "_imichat-reload-check")) { return false; } else if (sessionStorage.getItem(_wxengage_attr_key + "_imichat-reload-check") == undefined) { return true; } else { console.log("Hey, Thanks for visiting again"); return false; } }, verifyCookieConsent: function () { var isCookieConsent = typeof cookieConsentWidgetOptions === 'undefined' ? false : true; if (isCookieConsent != undefined && isCookieConsent != null && isCookieConsent && localStorage.getItem("webex_engage_cookieconsent_accepted") != "1") { try { var body = document.getElementsByTagName('body')[0]; var script = document.currentScript || (function () { var scripts = document.getElementsByTagName('script'); return scripts[scripts.length - 1]; })(); var generalscript = document.createElement('script'); generalscript.src = IMIChatInit.domainName() + "/js/imichatgeneral.js"; generalscript.type = 'text/javascript'; body.appendChild(generalscript); generalscript.addEventListener('load', function (event) { document.getElementById("divicw").innerHTML = "" + "" + "" + "
    " + "
    " + "" + "
    " + ""; var iframeMainDoc = document.getElementById("iframecookieconsentwindow"); iframeMainDoc.addEventListener('load', function () { IMIChatInit.onCookieConsentWidgetIconIframeLoad(); }); iframeMainDoc.src = IMIGeneral.domainName() + "/cookieconsent.html"; window.removeEventListener('message', IMIChatInit.message); window.addEventListener('message', IMIChatInit.message); }); } catch (e) { console.log("LaunchProactiveMsgManager:" + e.msg); } } else { if (IMIChatInit.checklocalStorage()) { IMIChatInit.init(); } else { document.getElementById("divicw").innerHTML = "
    \n \n \nError:
    Cookies Disabled

    We use cookies to enable best chat experience. Follow these directions to re-enable cookies specific to your browser type or re-open this website in a cookie-enabled browser.

    "; console.log("Local storage not supported"); } } } }; }(); IMIChatInit.verifyCookieConsent(); var imichatwidget = { // get hasInitiatedConversation() { // if (sessionStorage.getItem("webex_engage_imichat_hasinitconvexist") == null) // return false; // if (sessionStorage.getItem("webex_engage_imichat_hasinitconvexist") == "1") { // return true; // } else { // return false; // } // }, hasInitiatedChat: function () { if (sessionStorage.getItem("webex_engage_imichat_hasinitconvexist") == null) return false; if (sessionStorage.getItem("webex_engage_imichat_hasinitconvexist") == "1") { return true; } else { return false; } }, show: function () { //$("#divicw").show();return; document.getElementById("divicw").style.display = 'block'; }, hide: function () { // $("#divicw").hide();return; document.getElementById("divicw").style.display = 'none'; }, /* test:function() { if(sessionStorage.getItem("webex_engage_imichat_hasinitconvexist")==null) return false; if(sessionStorage.getItem("webex_engage_imichat_hasinitconvexist")=="1") { return true; } else { return false; } },*/ maximizeWindow: function () { IMIChatInit.chatswitchicon(1); IMIChatInit.resize(); IMIChatInit.call_previous_chats(); return; }, minimizeWindow: function () { return IMIChatInit.chatswitchicon(0); }, init: function (jsondata, callback) { if (typeof callback != 'function') { console.error('function was expected.'); return; } var destination = document.getElementById('iframechatwindow').contentWindow; destination.postMessage({ action: 'imichat_custom_chat_fields', data: jsondata, type: 'add' }, '*'); _IMIchat_callback_dic['imichat-widget:custom_chat_fields_init'] = callback; }, update: function (jsondata, callback) { if (typeof callback != 'function') { console.error('function was expected.'); return; } var destination = document.getElementById('iframechatwindow').contentWindow; destination.postMessage({ action: 'imichat_custom_chat_fields', data: jsondata, type: 'update' }, '*'); _IMIchat_callback_dic['imichat-widget:custom_chat_fields_update'] = callback; }, on: function (func_name, callback) { if (typeof callback != 'function') { console.error('function was expected.'); return; } switch (func_name) { case 'imichat-widget:ready': _IMIchat_callback_dic['imichat-widget:ready'] = callback; break; } }, clearBrowserStorage: function () { IMIChatInit.clearBrowserStorage(); } }; /* function imichatWidgetLoaded(){imi imichatwidget.maximizeWindow(); }*/