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

In a large skillet, heat olive oil over medium heat and sauté onion and bell peppers for 5-6 minutes until softened. Stir in minced garlic and cook for an additional 30 seconds.

Add ground beef to the skillet, season with salt and pepper, and cook for 7-8 minutes until browned. Drain excess fat if necessary.

Reduce heat to low, stir in Worcestershire sauce and softened cream cheese until fully melted and creamy.

Transfer the mixture to the greased baking dish, layer with provolone cheese, followed by mozzarella cheese.

Bake for 22-25 minutes until cheese is melted and golden brown.

Let the casserole cool for 5 minutes before serving.