Yeah, I have Anthem, too, and behavioral health falls under the medical umbrella. I don't need a referral or anything. No limits on sessions except only one hour per day. All claims must have a diagnosis code to be processed, but not all codes are "mental illness." Usually "adjustment problems" is the least serious and stigmatizing, so that's what my T used. She's told me that she's never been questioned or challenged on any of her claims and she does not need to submit any sort of progress reports.