In bed, naked woman (4)
I believe the answer is:
edna
'woman' is the definition.
(I've seen this before)
'in bed naked' is the wordplay.
'in' says the answer is hidden in the clue.
'EDNA' is hidden in the letters of 'bed naked'.
(Other definitions for edna that I've seen before include "Prolific Irish woman novelist . . . . O'Brien" , "Dean (anag) - it's a girl's name!" , "Famous dame" , "Female Dane, oddly" , "Female name" .)