Really 99% of what you need to know is to refer to people the way they tell you they prefer to be addressed, the same way you'd try to remember whether to use Mr or Ms, or try to remember their name.

If unsure, ask, if you get it wrong, apologize and move on, just as you would with a name or title. Showing that you are trying gets you far. It's nothing more than being willing to treat people with respect.