In a large mixing bowl, combine ground beef, breadcrumbs, eggs, milk, Worcestershire sauce, garlic powder, salt, and pepper. Mix well but do not overwork the meat.
Press half of the meat mixture into the prepared loaf pan. Layer the shredded provolone cheese evenly over the meat, then top with the remaining meat mixture.
Bake for 55 to 60 minutes until the meatloaf is cooked through and the internal temperature reaches 160°F (71°C). Let rest 10 minutes before slicing.