"anxiety"

I haven't been diagnosed with schizophrenia or schizoaffective disorder, but I know I should be. I see people in my house when they aren't there, but they never talk to me. I never talk out loud to my hallucinations and I know I'm hallucinating them, yet I still see them. Sometimes I hear this voice in my head of someone saying my name over and over and it starts out soft like a whisper and then it gets louder and angrier and then they scream my name and it stops.
My question is: is this really just my anxiety? I get a normal amount of sleep, about 8-9 hours a night and my anxiety isn't very bad (a panic attack maybe a month or so?). Has anybody else been told it's just anxiety, only to discover it's something else entirely?