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

In a large skillet, heat 1 tablespoon of olive oil over medium heat.

Add the diced onions and bell peppers, cooking for 5-6 minutes until they soften and become fragrant.

Incorporate the minced garlic and cook for an additional 30 seconds, stirring to prevent burning.

Add the ground beef, breaking it up with a spatula while it cooks. Season generously with salt and pepper, cooking for 7-8 minutes until no pink remains. Drain excess fat if necessary.

Stir in the Worcestershire sauce, coating the meat mixture for enhanced flavor.

Reduce the heat to low and fold in the softened cream cheese, stirring until melted and creamy.

Transfer the mixture to your prepared baking dish and spread it evenly.

Layer pieces of provolone cheese over the beef, followed by shredded mozzarella for that perfect cheese pull.

Bake for 22-25 minutes until the cheese is melted, bubbly, and lightly golden on top.

Let rest for 5 minutes before serving to allow the flavors to meld together.