Final answer:
A member's Medicare Supplement premium rates are affected by whether or not they use tobacco products.
Step-by-step explanation:
The statement is true. A member's Medicare Supplement premium rates are affected by whether or not they use tobacco products. This is because tobacco use is considered a risk factor for many health conditions, including respiratory and cardiovascular diseases. Insurance companies take into account the increased health risks associated with tobacco use and charge higher premiums to individuals who use tobacco products.