Preheat oven to 375F. Lightly grease a 12 in iron skillet OR a 13x9 baking pan.
Spread refried beans in the bottom of greased skillet. Top with salsa, ground beef and taco seasoning. Cover pan with tin foil and bake at 375F 15 minutes or until heated through.
Let dip cool 5 minutes then top with taco toppings. Serve dip warm with chips.