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

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

Add ground beef to the skillet, season with salt and pepper, and cook for 7-8 minutes until browned. Stir in Worcestershire sauce in the last minute.

Reduce heat to low, stir in cream cheese and mix until melted and creamy.

Transfer mixture to the prepared baking dish. Layer provolone cheese followed by shredded mozzarella on top.

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

Let cool for 5 minutes before serving.