An adjustable-warmth bed covering adopted for use inside a duvet cover, either alone or with a comforter that is also inside the duvet cover, and a method for making such a bed covering. Specifically, the bed covering is formed from a base sheet to which are attached fabric strips bounding a plurality of pockets. Each pocket has a closable opening that overlaps the pocket adjacent to it and closer to the head end of the base sheet. Insulator pads may be inserted in the pockets to increase the warmth retention capability of the adjustable-warmth bed covering in the area covered by the pocket. The method involves attaching overlapping fabric strips sequentially to the base sheet and sewing seams parallel to the left and right sides of the base sheet to form pockets.
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