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

In a large skillet over medium heat, add a splash of olive oil. Sauté diced onion and bell peppers for 5-6 minutes until softened.

Add minced garlic and cook for an additional 30 seconds.

Add ground beef to the skillet, browning for 7-8 minutes, seasoning with salt and pepper.

Stir in Worcestershire sauce, ensuring the beef mixture is well-coated.

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

Transfer the beef mixture into the baking dish, top with provolone cheese and shredded mozzarella.

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

Remove from oven and let rest for 5 minutes before serving.