Heuristics, Biases, and Decisions in Resource Allocation for Home Care Packages under Consumer Directed Care: A Systematic Review and Thematic Synthesis

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Introduction
Tere is no global defnition of home care, and the meaning changes from country to country, which can create confusion [1]. In this review, home care is used to describe a program of health-related services that facilitate older, community-dwelling adults to age in place, i.e., in their own homes [2]. Generally, there is a preference for communities to enable older citizens to remain living in their community and their own homes for as long as possible [3]. Tere are signifcant economic and societal benefts when transfer to long-term care facilities can be delayed or avoided entirely.
Consumer-directed care (CDC) is a policy approach that attempts to address issues identifed in aged care relating to reduced autonomy and disenfranchisement of seniors receiving care services [4]. Te primary goal of the policy is to empower care recipients and their support networks by afording choice and fexibility in resource allocation through a cash beneft mechanism where care recipients decide how approved funds are spent. Many advanced economies in North America and Europe have adopted this policy approach, and Australia implemented CDC for its home care package program in 2015 [2]. Since implementation of CDC programs, concerns over the quality of decision making in relation to package HCP expenditure have been raised, and questions over the efectiveness of current expenditure patterns to fulfl the objective of home care are posited [5].
Behavioural economics explores elements of psychology and economics to understand real-world behaviours and their variance from rational models, particularly in relation to risk and uncertainty [6]. Heuristic thinking and the inherent bias that results are central concepts in behavioural economics theory. Te theoretical foundation that explains how and why human decision making deviates from a logical optimal has been increasingly applied to improve policies and defne systems that can assist people in making choices more aligned with their longterm goals [7]. Heuristics, in this context, are decision rules or decision-making strategies employed by people when structured and logical decision-making processes are too difcult [8]. Tey are often referred to as "rules-of-thumb" or mental shortcuts that provide a fast solution. In some situations, these heuristics can result in an optimally efcient choice or function to improve survival, but often, these decision strategies lead to a biased outcome. In this frame of reference, biases relate to suboptimal decisions or "irrational" choices that are incongruent with an individual's utility and preferences.
Despite its broad appeal and wide range of applications, considering heuristics and biases in consumer health decision making is rare. Where behavioural economic theory has been applied to health, it is usually in relation to drug advertising [9], medical insurance [10], or clinician bias [11]. A small number of studies have applied these theories to understand the impact of heuristic decision-making on quality of life [12][13][14][15]. None have evaluated the possible impact of heuristic decision making on cost efectiveness or program outcomes. Additionally, none have considered a heuristic lens or the possibility of leveraging anticipated heuristic decisions to improve outcomes, simplify choice, and maintain fexibility in home care programs.
Governments are under increasing pressure to improve the quality of aged care services, particularly in more developed countries where an aging population combined with technological advancements and improved education are placing increasing demands on already scarce resources [16,17]. In this environment, it is critical that policy changes be evidence-based [18]. Te relative dearth of empirical research in the application of behavioural economic theory in a health-care setting and the potential for factoring behavioural economic theory into home care resource allocation prompted the authors to explore what is currently known about heuristics and biases in the decision environment created by CDC policy. A systematic approach was considered most appropriate for ensuring broad coverage and the return of high-quality results that could be communicated to an audience of health professionals in a transparent and reliable way. A pilot search and review of the PROSPERO register confrmed that no systematic reviews have previously been conducted on this topic.
Tis review considered any research discussing the presence and infuence of heuristics and biases in the decision making of older, community-dwelling adults receiving a package of care under CDC policy. Te main research question asks how heuristics and biases infuence home care package resource allocation decisions by older (>65) decision makers under CDC policies.

Systematic
Review with Tematic Synthesis. We conducted a review following the PRISMA checklist [19], modifed for qualitative and mixed-methods studies. Te research question was developed prior to the database search but subsequent to a pilot search that guided the identifcation of keywords used to develop the search strategy. Keywords and synonyms are described in Table 1.

Search Strategy.
Te search strategy was developed by the primary author in consultation with an academic research librarian. Te academic librarian assisted with database selection as well as both developing and refning the PUBMED search string. Te database search was conducted on 27 th of April, 2022, and included literature from inception to the date of the search. Tere were no other flters placed on the search.
Seven databases were selected with the help of an academic librarian and the research team. Databases were selected by cross-referencing the focus of the database with research felds identifed by the research question: PUBMED (health), Embase (medicine), PsychINFO (psychology and behavioural science), Scopus (Science), Web of Science (Science and Medicine), Cinahl (Nursing), and Econlit (Economics). A pilot search and the researchers' prior understanding of both the theoretical foundations of behavioural economics and practical aspects of the home care package program were used to identify key concepts and synonyms.
Te search string initially attempted to identify papers with all four key concepts, joined by the Boolean operator "AND," with synonyms grouped in "OR" clusters. Tis initial approach returned zero results, so search criteria were relaxed to identify any articles containing a keyword (joined by "OR"). Te search strategy developed in PubMed was translated for other databases using the Polyglot © tool. Te full search strategy is included in Appendix 1.

Study Selection.
All study types were considered, provided they addressed at least two of the four identifed key concepts. Te results of the database search were uploaded to Covidence© and subsequently curated through three screening stages. Initial searches and title and abstract  screening were independently evaluated by two reviewers,  and any disagreement or uncertainty was discussed with the  authorial team until consensus was reached. If the article title  and abstract contained at least two key concepts, it was  advanced to the next stage. Te subsequent stage of  screening involved full-text evaluation, where articles were  included if they met all inclusion criteria. A full-text screen was completed by the primary author, and the results were cross-checked by the authorial team during regular project team meetings. Table 2 defnes the applied exclusion criteria. Te main guiding criteria were the inclusion of key concepts, identifed by the four key words and their synonyms shown in Table 1.

Data
Extraction. Data extraction was conducted by the primary author and confrmed with the authorial team. Basic metadata was manually recorded in Excel, including title, authors, year of publication, type of setting, country of setting, journal, and discipline. Descriptive information about the chosen methodology, outcomes of interest, and study population was concurrently recorded.

Critical Appraisal.
Due to the multidisciplinary nature of the question and the wide variety of research types, a standard risk of bias assessment was not conducted. Tere is no standard method for assessing the risk of bias or quality in qualitative reviews [20]. Tis does not exclude the requirement to check rigor, credibility, and relevance. As such, papers were appraised with tools appropriate for their study type. Te narrative review was assessed using the SANRA (scale for quality assessment of narrative review articles) [21], and the remaining papers were critiqued with the MMAT (mixed methods appraisal tool) [22]. Te MMAT is a validated instrument developed to assess the quality of diferent study types. It afords fexibility to consider elements of most empirical research and identify the presence or absence of key quality indicators appropriate to the methodology. Te appraisal was conducted independently by two researchers (the primary author and a researcher external to the authorial team) and subsequently mapped for consensus.

Tematic
Synthesis. An inductive, iterative (3-cycle) comprehension analysis was conducted to produce a thematic synthesis [23]. All text in the included studies was coded, categorised, and synthesised by the primary author and subsequently presented for discussion with the authorial team. Te initial coding followed an inductive line-by-line method to understand the text. Te resulting codes were then grouped into descriptive themes through a subtext analysis. Engagement with descriptive themes and the experiences of the authorial team across economics, behavioural science, health care, and public health, provided for contextual analysis and the defnition of analytical themes.

Results
Te systematic search strategy applied to seven databases returned 1220 results that were imported to Covidence©. 644 were identifed as duplicates and removed during deduplication. Te remaining 576 were screened by title and abstract, with 414 identifed as irrelevant to the research question. 156 were subjected to full-text review, and 11 met the fnal criteria. Te process is summarised in the PRISMA fow diagram (Figure 1).

Database Search.
Every database returned some results, though the number of results varied signifcantly across databases (Table 3). Business databases had the fewest results, and Scopus, a multidisciplinary science-focused database, returned the most. All articles identifed in Scopus, however, were also retrieved from other databases, so all search results returned from Scopus were deleted as duplicates.

Study Selection.
Title and abstract screening were conducted asynchronously by the research team. Each author had individual access to the database search results in Covidence© and could review citations independently. A decision to include or exclude a citation required confrmation from at least two authors, with any uncertainty discussed in regular research team discussions.

Exclusion Criteria.
Full-text screening was conducted by the primary author and fndings confrmed with the authorial team during research team discussions. A total of 156 articles were evaluated against a criteria developed in relation to the research question. Defnitions for exclusion reasons are outlined in Table 2.

Data Extraction.
Eleven articles were determined to satisfy all criteria and provide insights to address the research question. Tese articles were methodologically diverse, derived from geographically varied locations, and reported details of diferent subgroups. None of the studies contained all four key concepts, but several contained three. Table 4 reports particulars on methodology and subgroup analysis, and Table 5 details metadata collected about the papers.

Critical Appraisal.
In the absence of standardised critical appraisal methods in qualitative research and the application of strict checklists or scoring argued to result in the loss of high-quality or novel material that answers the query, quality assessment is conducted here as a comment on the elements included in the papers that are considered best practice for the study type. SANRA and the MMAT do not yield an overall score but allow the reader to apply screening questions that can be answered as yes, no, partially, and cannot tell. Te consensus mapping conducted by the two quality reviewers on the included papers is available in Appendix 2.

First Iteration-Textual Comprehension.
Te frst iteration of inductive coding applied a line-by-line method, considering the textual meaning of each sentence in each paper. Tis generated a code book of 150 lines. Te generated code book is available in Appendix 3.

Second Iteration-Subtextual Comprehension.
Te second iteration of coding involved grouping each code into categories refecting congruous syntax (similar meaning between text codes). Eight categories were identifed and are described below. Te contributions of each article to themes are available in Appendix 4.
(1) Decision Making Is Complex (Which Induces Heuristic Decision Making). Ten of the eleven papers reference the complexity of decision making [13,15,[24][25][26][27][28][29][30]32]. Factors that complicate decision making in older age are numerous, including time, trade-ofs, information quality, the number of decisions being made, and the number of choice options within those decisions [13,25,26,28]. It is acknowledged that the choice set (suite of options) is an important feature of decision making [25], but how many options and how to present them are unclear. As decision complexity increases, so does confusion and uncertainty [24,25,28]. Tese shifts produce alterations in decision making, tending toward the recruitment of heuristic strategies over systematic and reasoned judgement that produces suboptimal decisions [31]. Quality and consistency of decisions decrease as age increases, and more heuristic patterns are observable [24,31]. Reported behaviours include placing disproportionate weight on relevance or familiarity; a tendency to choose information presented frst; a tendency to trust informal information sources over ofcial or evidence-based information; a reduction in time spent searching for information; a tendency to be satisfed with the status quo; and an increase in risk aversion [13, 15, 24-28, 30, 32].
(2) Decision-Making Strategies Are Heterogenous. Tere is an inherent assumption that decision making is a static and rational process that lends itself to economic models, i.e., when a person makes a decision, the judgement is fnal and the individual will consistently choose in line with that judgement [31]. Models of decision making often assume that associated strategies are homogenous and consistent over the life course [24,31] and that rational choice will reliably lead to optimal allocation of resources [26,28], provided the consumer is fully aware of all possible constraints and outcomes [13,15,30] and is able to process available information [28]. In reality, these assumptions do not hold [28,31].
Decision making is a heterogenous process with temporal and longitudinal implications and individuals display dynamic preferences infuenced by experience, culture, generation, gender, and age [24]. Further complicating this is a commonly employed strategy to transfer decisionmaking authority to a third party, either to an entity perceived as being of higher authority (e.g., GP or service provider) or to an entity perceived as more capable of making the decision (e.g., a child or spouse) [26,28].

(3) Decision Making Changes over the Life Course.
Another prevalent assumption is that decision-making strategies remain fxed, i.e., that a person will make a decision in the same way when they are 20 as they will when they are 60 [31]. Evidence presented in ten of the articles suggests this is not the case, indicating that age-related changes in decision making are measurable and that the overall efect is a decline in decision quality [13,15,[24][25][26][27][28][30][31][32]. Te reasons for this decline are generally related to cognitive function [13,15,24,28,31,32], including decreases in processing speed [24,31], executive function [24], and working memory.
Tese declines do not mean that older people are incapable of making decisions, they can be highly adaptive, but patterns of decision making will change [25]. Altered patterns in decision making need to be accounted for,      Health & Social Care in the Community acknowledging that older people are more inclined toward heuristic thinking than younger people [24]. General patterns suggest that older people require more time to process information [24], are more inclined to make decisions emotionally rather than factually (i.e., the afect heuristic) [13,15,24,25,30,32], and will make decisions based on what is familiar to them (i.e., the availability heuristic) [13,15,[24][25][26]28]. It is therefore important for decisions to be framed in meaningful, relevant ways [24]. Older decision makers are easily distracted and less inclined to search for information or spend time processing information, instead anchoring themselves to information that is presented frst [24,26]. Tis increases susceptibility to suggestion and framing efects [13,24]. Further to this, the initial stated preferences may change. What a person predicts they will want or need does not always correlate with what they actually want or need in the future [27]. Older people may be more aware of this, tending to underspend budgets and be risk-averse [30]. Te reasons cited for this are "saving for a rainy day" or simply being uncertain of what the future holds.

(4) Tere Are Many Methods to Evaluate Decision Making.
While most papers included in the review are qualitative, a variety of diferent techniques and methods were employed to examine decision making (Table 4). Many qualitative authors used a thematic evaluation, but the informing paradigm was highly variable [15,27,28,31,32]. Tis variety provides choice not only for methods to further investigate decision making under CDC models but also complicates replicability as there is no standardised way to evaluate decision making.

(5) Consumer Decision Making Impacts Resource Allocation.
Te most signifcant emergent fnding is that the impact of the CDC funding model on resource allocation is unknown [13,27,29,30,32]. Marketisation and consumer choice in aged care have advocates and opponents in equal measure [25]. Much has been written regarding the need for autonomy in aged care and the efects on welfare when consumers feel empowered [13,15,25,32], but the efect of the policy has been an increase in fnancial stress and confusion [25,26]. One paper suggests incoming policyholders will approach decisions in a diferent way due to their experience with the system and diferences in the generational mindset, but there is no indication or reference frame to consider whether these diferences result in improved outcomes [27].
Economic outcomes reported in the studies suggest that the immediate costs of the program are not signifcantly diferent, but these studies are not comprehensive economic evaluations [29,30,32]. Tere is a singular reference to the tendency toward underspending of home care funds under CDC, which has further implications for policy, resource allocation, and appropriate distribution of funds for maximising welfare [30].
Preferences for services under CDC funding are also of questionable efcacy, with a tendency for older people to nominate services provided "for" over services provided "with" (e.g., house-cleaning is provided for a home care recipient, or physiotherapy is a service provided "with" the person to improve the ability to complete their own housework) [15,25]. Whether or not assistance with domestic care has superiority over allied health services in preventing hospitalisations or transfer to residential aged care from a home care setting is not established.

(6) Consumer Decision Making Has Implications for Policy.
Te literature makes clear that the current policy trend toward free choice is placing signifcant pressure on the aged care industry for a paradigm shift [13,30]. What this provision of autonomy looks like is not clearly defned [13]; however, simply assigning a dollar fgure to a person is insufcient to achieve the required level of care or the desired outcomes of home care programs [27]. An understanding that the choices of consumers may not necessarily refect the anticipated or "rational" decision needs to be established and a clearer idea of how those decisions infuence outcomes needs development [28,31]. Consistency of delivery, availability of information, and support for decision makers are all critical to policy success [15,24,26,31].
Acknowledgment of the impact of the decision-making environment and the parties involved in decision-making discussions is also lacking [30]. Decisions are not made in a vacuum, and involved parties are prone to their own heuristic thinking and associated biases [13,25,28,29]. How these interplay and infuence resource allocation needs to be considered in further developing policy and service delivery models in government and industry [13,27,29,30,32]. Under current CDC policy, consumers lack confdence in the level of control they have and are both confused and ignorant of the services they are entitled to [13,15,25,30]. In other words, they have autonomy but do not know how to use it.
(7) Tere Are Ways to Improve and Support Decision Making across the Life Course. Tere are numerous techniques for improving decision quality, particularly in situations where heuristic or "irrational" decisions dominate [13,15,24,26,[30][31][32]. While it is accepted that freedom of choice is desirable, there is also a requirement to support decision makers in revealing their optimal choice [26]. Most decision aids aim to reduce cognitive load by altering the decisionmaking environment [13,24,26].
Te most common technique for both simplifying and guiding decision making is improving communication [15,26,30]. Communication strategies employed in home care programs are currently insufcient [15,30]. Format and presentation, including the order of presentation, signifcantly infuence decision making [15,26,30]. Te amount of information currently provided to home care recipients is overwhelming, confusing, and sometimes conficting [13,25,26,30,32]. Combined with the information seeking behaviours associated with older cohorts, this information overload shifts older decision makers toward the status quo or decision deferral [15,25,32].
Tere are many ways to simplify information and reduce the cognitive load [24]. One option available to policymakers is the use of a well-considered default option [26,32]. Tis type of choice architecture, or nudge, automatically selects a "best-ft" for resource allocation while still afording the option to change allocations, thereby providing fexibility to the decision maker without adversely impacting autonomy [26]. Tere are valid concerns with this approach around the capacity to manipulate decisions without the decision maker's conscious awareness, but it remains a powerful technique to simplify difcult decisions.
Te fnal variable discussed is time: time to make the decision, time to consider the decision, and time to change decisions [13,24]. Cognitive decline associated with aging includes a reduction in processing speed [24]. Tis does not mean an inability to think or make decisions, thought processing is slower and fewer items are retained in shortterm or working memory [24,25,31]. Tere is some evidence that systematic decision-making processes can be activated by increasing the time allocated to decision making and prompting the decision maker to consider their decision rationale, i.e., to think about their thinking [24,31]. Breaking down the requirements for decision making so that one decision is considered at a time is also benefcial [30,32]. [13,15,[24][25][26][27][28][29][30][31][32]. Research on the impact of aging on decision making and behavioural biases is limited [24,26,27,31]. Te majority of papers are qualitative and have small sample sizes [15,30]. Some of the larger studies were designed with surveys [13,25,26,28,29], but surveys are prone to responder bias, so true representation of older decision makers is difcult to establish. Most of the studies adopted a normative perspective without clear direction on how to positively evaluate outcomes [13,25,26,29]. None of the studies represented frst nations' peoples or participants from culturally and linguistically diverse (CALD) backgrounds, it is therefore unlikely that results are generalisable to these populations [15].

(8) Further Research Is Needed. All articles indicated that additional research is needed
Te largest area of identifed need is an evaluation of the outcomes of CDC policy, namely that the main objectives of home care programs are realised [13,15,26,29,30]. Much of the focus of research has been evaluating older adults' satisfaction or happiness with programs under CDC policy as a proxy for Quality of Life [13,15,26,29], but there is no clear link between individual satisfaction with the program and successful program outcomes, such as reduced rates of hospitalisation or delayed transfer to residential aged care.
How home care resources are allocated remains a clear area of research need, particularly identifying how service choices infuence program outcomes [13,27,29,30,32]. Te cost consequences of choice patterns need to be calculated and evaluated against other mechanisms of resource allocation to identify how the limited government funding can maximise welfare. Tere is also opportunity for further exploration around levels of support for decision making under CDC, and what impact supported decision making may have on resource allocation efciency.

Tird Iteration-Contextual Comprehension.
Te third and fnal iterations of coding involved application of the researchers' knowledge of behavioural economics and health care provision to the descriptive categories, translating to fve analytical themes that answer the research question of whether and to what extent heuristics and biases infuence decisions for resource allocation under CDC. Temes are threads of meaning that weave together to defne the overall narrative and answer the central question. Te inquiry was focused on home care recipients, as this cohort has been endowed with decision-making responsibility for resource allocation under CDC policy.
(1) A Question of Autonomy. Tere is no argument that fexibility of choice and empowerment (autonomy) of older people is the socially desirable, current aim of the CDC funding model [13,27,32]. Te debate rests on the question of how to provide that autonomy whilst ensuring an efcient allocation of resources, particularly given the scarcity of government funding available for welfare provision [27,29].
Tere are many assumptions made about what autonomous decision making looks like [25,31]. With respect to home care funding distribution, there is an assumption that autonomy can only be achieved if the decision maker is left alone to evaluate the many complexities, sifting through voluminous piles of paper, and considering their uncertain future [13,15,28,32]. What this research clarifes is that decisions are never made in isolation [13,25,28,29]. Tis approach to individual autonomy creates a barrier to effective decision making and may have the opposite efect of its intention, inducing inertia and choice deferral rather than empowering older people to make decisions that are meaningful to them [15,25,32].
Tere is a very clear policy direction toward clientcentric models of care across the developed world, forcing industry change that is reported to be desirable [27,30]. It rests on a quasi-market, engaging participants who are not prepared or equipped to manage the change on either the supply or demand side [13,25,27,30]. Te efects of this are currently unknown and unmeasured, meaning the success of the program is unable to be accurately determined.
Existing literature concerning home care under CDC policy is concerned primarily with satisfaction [13,[26][27][28][29]. Little information has been gathered regarding outcomes associated with resource allocation by consumers, particularly measures of program success [13,[26][27][28][29]. While an argument can be made that satisfaction is associated with improvement in quality of life and that quality of life improves well-being, there is an absence of evidence that satisfaction reduces hospitalisation, institutionalisation, or death. As such, more research is required to understand the heterogeneity of decision making and the role of satisfaction in improving program outcomes [13,15,25,27,30,32].
Experience and expertise are generally considered to improve decision quality [13,15,25,30,32]. Tis assumption does not always hold. In some instances, experience assists decision makers in making sense of available information [30], while in others, it can produce overconfdence bias [33]. Whether or not home care recipients exhibit learning based on experience with the program not being exclusively or extensively studied [31]. A cohort of people approaching home care eligibility assert that they have learned from experience with their parents and have diferent expectations of the program, whether this holds "when the time comes" remains uncertain [27].
When considering empowerment and the right to choose, what is often overlooked is the option to not make a choice [28,32]. Many decision makers faced with increasing risk or uncertainty will opt to maintain the status quo, because it is perceived as the simpler path [15,25,32]. Tis is known as inertia or status quo bias [34]. A dependence on familiarity produces suboptimal decisions [24,34]. In the case of a home care program, it results in resource allocation inefciencies such as underspending or preferencing an existing service mix that potentially meets wants ahead of needs [15,25,30,32]. In some situations, the inertia can and should be overcome through decision support or with the use of decision aids [26], while in others, it is a valid choice and should be respected [28]. Tere is a requirement to cater for multiple decision-making pathways that refect the heterogeneity and individualism of choice, with the caveat that supported decision making and the choice not to choose are as valid as decisions made alone [13,15,24,26,[30][31][32].

(3) Decision Making is a Dynamic and Longitudinal Process.
Tere is a consensus that understanding consumer decision making is important to the success of home care programs, CDC policy, and the quality of aged care services [13,15,25,27,30,32]. Tis is coupled with the assumption that decision making is static and occurs at a specifc point in time [28,31]. Analysis of decision making proves the opposite is true [13,15,[24][25][26][27][28][30][31][32].
Tere is no defnition of a "good" decision; strategies vary both across and within individuals, and choices or decisions change with shifting circumstances, possibly even depending on the time of day the decision is made [15, 25, 27-29, 31, 32]. While rational modelling and utility theory draw calculations from mathematical equations, people can and do change their minds [24,27,28,31]. Decisions made in environments of risk and uncertainty are particularly prone to change [15,30,31]. Tere are some predictable thought processes and decision-making behaviours (heuristics) that explain some of the variance in observed decision quality [15,24,26,27,31].
Several authors comment on the tendency for older people to make decisions based on emotion rather than factual information, labelled the afect heuristic [15,24,25,30,32]. Personal relevance and relying on gut feeling becomes more prevalent with age [24]. Building relationships is often considered more important than the services provided. In some instances, afect heuristic can improve decisions, compensating for declining deliberative processes, but only with sufcient information to inform the decision. Afect also explains some of the positivity efect seen to increase with age and the tendency for older people to feel more satisfed [13,24]. It also increases anchoring and loyalty to providers of services that home care recipients are already receiving, intensifying the status quo bias [30].
Further comments are made regarding the tendency for decisions to be made based on what is familiar rather than what is "rational," labelled the availability heuristic [15,[24][25][26]28]. Tis also contributes to the inertia of status quo bias, explaining why repeat purchasing is common, why purchases of common brands are more prevalent than others, and why services are selected based on what a recipient knows about other people receiving those same services [24,30]. Te observed trend to opt for services such as domestic help and gardening are partly attributable to the recipient's familiarity with those services through social networks and neighbours [25,28]. It is established that many home care recipients have insufcient knowledge of what products and services are available to them through the program, so they rely on what they have heard from others [13,30].
Information is provided to home care recipients to assist them with addressing their knowledge gaps regarding service provision, but this information accumulates rapidly and is difcult to process, culminating in a state of information overload [13,15,25,30]. Being overwhelmed and confused also induces inertia. In this frame of mind, particularly if there are numerous options and multiple decisions being made at the same time, the cognitive efort required to make a decision exceeds the cognitive efort required to remain the same [24].
People have a tendency to protect what they perceive to be theirs, a so-called "loss aversion" [31]. It is difcult to ascertain how home care recipients view their funding allocation and whether this perception difers under diferent models [30]. Tere is a possibility that loss aversion can explain the tendency to underspend, an acknowledged problem with resource efciency in home care package spending. Once the funding is received, home care recipients are unwilling to lose it. It can also explain why some package recipients will accept a package at a level diferent from their existing needs, either lower than the approved level or, in some cases, higher than their current needs. Accepting a package is preferable to "giving it up," especially if you are unsure how long you will have to wait if your circumstances change in the future.
(4) Te Decision-Making Environment. Te presence of heuristic decision-making behaviours leads many of the authors to propose strategies to improve the quality of decision making, and this is achieved through manipulation of the decision-making environment [13,15,24,26,[30][31][32]. While the principle aim of CDC is to provide choice and fexibility to community-dwelling older adults, it needs to be recognised that people exercise their freedom of choice in a variety of diferent ways, including the shaping of their perspectives and opinions by inputs from the decision-making environment [26,28]. In some instances, autonomy can be a barrier, adding complexity and difculty to an already difcult decision [25]. In other situations, they may prefer sharing their autonomy or may consider third-party decisions to yield more optimal outcomes than their own [28]. It is important that service providers responsible for implementing care under CDC are sensitive to these nuances and are able to recognise when support for decision-making is in the best interests of home care recipients.
Te way information is presented to decision makers has a signifcant impact on the decision-making environment and the level of difculty for decision makers [13,24,26]. Te volume, clarity, and consistency of information all infuence the amount of cognitive efort required to make decisions [26]. Te order in which options are presented, propensity to be distracted, and relevance of the information to the individual determine how much weight the information is given, and these infuences are more apparent in older decision makers [24,26,31]. Information seeking and assumptions about how older people search are of signifcance to decision-making. Under existing programs, information, while copious, is insufcient to support informed decision-making, and is instead confusing and overwhelming [13,30]. Knowing the efect of presentation and its infuence on choice provides an opportunity to simplify and clarify home care funding for recipients and potentially support choices that maximise welfare for both the individual and a wider aged care community.
Qualitative studies are also difcult to replicate and hard to draw generalisable fndings from [13,[24][25][26]30]. Laboratory experiments provide useful insights, but the constraints of controls often mean real-world observations do not support the fndings [31]. Simulations are another common method for evaluating decisions and efcient resource allocation, but accurate population proportions are difcult to calculate, and large datasets at the individual level are not readily accessible [32]. Surveys provide for the collection of quantitative and qualitative data from larger samples but are plagued by selection bias [29]. In short, it is difcult to measure the heterogeneity of decision making in a generalisable way.
Further gaps are evident around outcomes [13,15,26,29,30]. Qualitative studies are useful for establishing and exploring decision-making behaviours, but the efect of these behaviours on the outcomes of the policy or program are not yet measured [30]. It would be unwise to begin leveraging or mitigating heuristics and biases until it can be established that heuristic decision-making produces inefcient resource allocation and in what ways [26]. Intensive eforts are needed to link decisions to outcomes and evaluate the most cost-efective way of delivering home care programs.

Research Implications.
What is not written is as important as what is, and this review identifes large gaps in the literature relating to the efect of CDC policies on the outcomes of the program, not purely on client satisfaction at implementation. Many home care users remain confused, isolated, and unsupported under the CDC policy, and further empirical research is needed in various directions and domains to identify what heuristics and biases can be observed in the home care resource allocation decisionmaking environment with a view to mitigating or leveraging these behaviours to achieve optimal resource allocation.

Practice Implications.
Tis paper presents a qualitative systematic review of the literature discussing recruitment of heuristic decision-making strategies and associated biases in resource allocation for Home Care Packages under CDC policy. While there are no specifc studies on heuristics in home care decision making, several authors have attempted to examine the experiences and behaviours of seniors receiving care in this way. A number of key themes emerged about observable behaviours, barriers and drivers, and strategies to support decision making in older populations. Pragmatically, it is useful for practitioners involved in providing care to vulnerable older populations to be aware of how heuristics and biases alter over the life course and the efect of these alterations on decisions.

Policy Implications.
All people should have the right to make decisions about their care, ensuring that care is provided in a dignifed way that is enriching and meaningful to the person receiving care. In theory, the CDC should be a step toward achieving empowerment of senior citizens and the subsequent improvement in health outcomes. What this research indicates, however, is that this result is not guaranteed or correlated with improvements in quality of care and does not necessarily result in better program outcomes. Behavioural economics ofers diferent views on this paradox of autonomy and can suggest interventions that consider observable human bias in their design, providing potentially powerful policy tools to improve program outcomes for senior citizens, service providers, and overall community welfare.

Limitations of Tis Review.
Tere are numerous limitations to this review, stemming from the incongruence between qualitative research and systematic review methodology. Te bias within systematic review methodology toward quantitative research means a signifcant body of knowledge is often excluded from these reviews, and this is harmful to good clinical practice. In attempting to address this, standardised processes such as PRISMA, risk of bias assessment, and data extraction had to be modifed.
Te systematic approach to database searching gives confdence that relevant literature has been sourced; however, methods of qualitative synthesis that both satisfy the requirements of systematic review and maintain the richness and depth characteristic of qualitative research are still being developed, so it is possible that some articles may be relevant but were excluded for quality-related reasons, for example, grey literature. As this methodology matures, the results of this analysis may change.

Further Research.
To the authors' knowledge and at the time of writing, there is currently no research that specifcally addresses the presence and infuence of heuristics and biases in resource allocation decisions under the CDC for community-dwelling older adults receiving support to age in place. Tere are only eleven papers that address part of the question, and six of these are purely qualitative. Tere is only one randomised controlled trial. For behavioural economics to efectively inform policy, more research is needed to understand the efects of the interventions indicated by behavioural economic insights. For CDC to be a successful policy, a greater understanding of how decisions are made and what mechanisms can support decision making without sacrifcing autonomy or quality of care is needed.

Bias:
Te resultant deviation from optimal when heuristic decisionmaking strategies are employed Consumer directed care (CDC): A policy position where the person receiving the funding has full choice of how the funding is spent Heuristic: Mental shortcuts that increase the speed of decision-making processes, though potentially resulting in less logical or efcient choices Home care package program (home care): A service bundle designed to support older adults to remain living in their home (rather than transfer to long term care facility) Home care recipient: Community dwelling older adult (65+) receiving services under a specifc program to facilitate aging in place Mixed methods appraisal tool (MMAT): A critical appraisal tool designed to capture methodological quality of multiple study types (qualitative research; RCT, nonrandomised studies, quantitative descriptive studies, and mixed methods studies) SANRA: A scale assessment for quality assessment of narrative review articles.

Data Availability
All data related to this systematic review are provided in the analysis or supplementary materials. Te raw data for analysis are available in published papers that are open access.

Disclosure
Tis study was registered at PROSPERO (CRD42022339889