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

In a large skillet, heat olive oil over medium heat. Add onions and bell peppers and sauté for 5–6 minutes until softened.

Stir in minced garlic and cook for 30 seconds until fragrant.

Add ground beef to the skillet. Season with salt and pepper. Cook for 7–8 minutes, breaking up the meat until fully browned.

Stir in Worcestershire sauce to enhance the flavor.

Lower heat and add cream cheese. Stir until melted and combined into a creamy mixture.

Transfer the beef mixture to the prepared baking dish and spread evenly.

Layer provolone slices over the top, followed by shredded mozzarella.

Bake for 20–25 minutes, or until the cheese is melted, bubbly, and golden.

Let rest for 5 minutes before serving.