Preheat your oven to 350°F (175°C) and prepare a 9x13-inch baking dish with non-stick cooking spray.

Heat olive oil in a large skillet over medium heat. Add diced onion and bell peppers, and sauté for 5-6 minutes until softened. Stir in garlic and cook for another 30 seconds before removing from heat.

In the same skillet, brown the ground beef over medium heat for 7-8 minutes, breaking it apart. Add Worcestershire sauce and season with salt and pepper.

Reduce heat to low, add softened cream cheese, and stir until melted and smooth.

Spread the beef and cream cheese mixture into the prepared baking dish. Top with provolone cheese slices and sprinkle with shredded mozzarella.

Bake for 20-25 minutes until cheese is bubbly and golden brown.

Let cool for 5 minutes before serving.