Wedding Invitations & Paper

Addressing to PhD & wife

I read somewhere on here that if you are addressing to a Dr that it does not count for someone with a PhD.  

I know someone who has a PhD and my FMIL keeps reminding me that I need to include Dr in there. 

Would it be:
Dr & Mrs. John Smith? even though he is not a "real" doctor (non-physican)

Also, I have a female friend who is acutally a physician and is married. Do I address it:
Mr & Dr John Smith?

Help!
Mrs. Emily Wolcott June 11, 2011 :)
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