Preheat your oven to 350°F (175°C) and spray a 9×13-inch baking dish with non-stick spray.

In a large skillet over medium heat, add olive oil and sauté the diced onions and bell peppers for 5-6 minutes until fragrant and softened. Stir in the minced garlic and cook for an additional 30 seconds.

Add the ground beef and season with salt and pepper. Cook while breaking the meat apart until fully browned, about 7-8 minutes.

Drizzle in the Worcestershire sauce and stir well to coat the meat mixture evenly.

Lower the heat to medium-low and mix in the softened cream cheese, stirring until it melts and combines smoothly.

Transfer the beef and vegetable mixture to the prepared baking dish. Layer slices of provolone cheese over the top and sprinkle shredded mozzarella over everything.

Bake in the preheated oven for 20-25 minutes until cheese is bubbly and golden brown. Let it rest for 5 minutes before serving.