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

In a large skillet, heat 1 tablespoon of olive oil over medium heat. Add the diced onions and bell peppers and cook for 5-6 minutes until softened and translucent. Stir in minced garlic and cook for an additional 30 seconds.

Add the ground beef to the skillet with the sautéed vegetables. Break the meat into smaller pieces as you cook. Season with salt and pepper, and cook until browned and fully cooked, about 7-8 minutes. Drain excess fat.

Stir in the Worcestershire sauce and blend it into the meat mixture. Reduce heat to low and add the softened cream cheese, stirring until smooth and creamy.

Spread the beef and vegetable mixture into the prepared baking dish. Layer pieces of provolone cheese over the beef, then top with shredded mozzarella cheese.

Bake for 22-25 minutes until the cheese is melted and bubbly. Let it rest for about 5 minutes before serving.