Preheat your oven to 350°F (175°C) and grease a 9x13 baking dish.

In a large skillet, heat olive oil over medium heat and add the diced onion and bell peppers. Sauté for 5–6 minutes until fragrant and soft.

Stir in the minced garlic and cook for an additional 30 seconds, stirring continuously.

Add the ground beef, breaking it apart while cooking for 7-8 minutes until browned.

Pour in Worcestershire sauce and reduce heat to low, adding cream cheese until melted and creamy.

Spread the beef mixture in the greased baking dish. Layer with provolone cheese and then mozzarella cheese.

Bake for 22-25 minutes. Let it rest for 5 minutes before slicing.