Preheat oven to 350°F (175°C).

In a large skillet, heat olive oil over medium heat. Add ground beef and cook until browned, about 5-7 minutes. Drain excess fat.

Add onion, bell peppers, and garlic to the skillet. Sauté until vegetables are tender, about 5-6 minutes.

In a bowl, mix cream cheese, Worcestershire sauce, salt, and pepper until smooth. Stir in half of the mozzarella cheese.

Combine the cream cheese mixture with the beef and vegetable mixture in the skillet.

Transfer to a greased baking dish. Top with provolone and remaining mozzarella cheese.

Bake for 20-25 minutes, until cheese is bubbly and golden.