As a matter of fact, one can save some money by buying a memory foam topper pad without a cover.
Most people find that memory foam mattress topper pad works just fine without a cover if they put it under their mattress pad.
Using the memory foam topper pad without a cover on a mattress helps the pad stay in place better as the memory foam has some hind of a sticky feel to it, which helps keep the topper pad from sliding around.
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