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

Heat 1 tablespoon of olive oil in a large skillet over medium heat, then add diced onion and bell peppers. Sauté for about 5-6 minutes until softened.

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

Stir in Worcestershire sauce and cream cheese over low heat until smooth and creamy.

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

Bake for 22-25 minutes until cheese is melted and bubbly. Let it rest for 5 minutes before serving.