You can use the suffix -san for men or women and it is the equivalent of Mr, Mrs, Miss, etc.
Usually if you're older, talking to a younger male, you could use -kun instead. It's a little less formal than using -san but for younger women, you'd still use -san.
Using -chan is even less formal and usually only among friends. It's usually used in conjunction with shortening the first or last name. . .
Ex: Salt-chan
Using -sama is the most polite form and is usually not spoken but written on the front of letters. If you were writing to a Mr. Smith, then on the front of the letter, you would address it to Smith-sama. But you wouldn't actually say it to someone's face - they'd feel embarrased.