Prepare the Oven: Preheat your oven to 350°F (175°C). Spray a 9×13 baking dish with non-stick spray to ensure your casserole won’t stick.

Cook the Vegetables: Heat the olive oil in a large skillet over medium heat. Add the diced onions and bell peppers, cooking for about 5-6 minutes until they begin to soften. Add the minced garlic and cook for another 30 seconds until fragrant.

Brown the Beef: Add the ground beef to the skillet with the vegetables. Season with salt and pepper to taste. Cook while breaking up the meat with a spatula until completely browned, about 7-8 minutes.

Add Seasonings: Stir in the Worcestershire sauce, allowing it to coat the meat mixture and enhance the flavors.

Incorporate Cream Cheese: Reduce heat to low. Add the softened cream cheese to the skillet, stirring until it melts completely and coats the meat and vegetable mixture evenly, creating a creamy texture.

Transfer to Baking Dish: Once fully combined, transfer the mixture to the prepared baking dish, spreading it evenly.

Top with Cheese: Layer the sliced provolone cheese over the beef mixture, then sprinkle the shredded mozzarella cheese evenly on top.

Bake to Perfection: Place in the preheated oven and bake for 20-25 minutes, until the cheese is melted, bubbly, and slightly golden on top.

Rest Before Serving: Allow the casserole to rest for 5 minutes before serving. This helps the flavors meld together and makes serving easier.