Abstract: A bedding apparatus includes a top cover for a mattress that is removably securable to a mattress band. The mattress band is, in turn, removably securable to the mattress without physical connection. The connections between the top cover and the mattress band may be zippers that allow them to be connected along three sides. The zipper portions on the mattress band and the top cover are complementary, allowing the two components to be zipped together. The two zipper portions on the top cover are also complementary with each other, allowing the top cover to be zipped together into a self-contained sleeping enclosure. The mattress band may encircle the mattress, and can be mounted over an underlying mattress covering, such as a sheet. When the top cover is secured to the mattress band, and there is no person located between the top cover and the mattress, the top cover drapes over the sides of the mattress to a vertical position lower than that of the securing connections between the top cover and the mattress.