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In a large mixing bowl, combine ground beef, eggs, breadcrumbs, Parmesan, herbs, garlic, onion, ketchup and Worcestershire. Mix well, gradually adding the milk (if it seems too moist, add bread crumbs until it is a consistency that will form a loaf without flattening. Spray a large baking or roasting pan with a nonstick spray and press the meatloaf out. Layer cheese slices and ham, covering the center line of the meatloaf, then close it together and tuck in the ends, forming a loaf which is oblong. Criss-cross the bacon strips to cover the loaf. Bake for 35 to 45 minutes or until an instant-read thermometer registers 160 degrees F.
Let rest 15 minutes, then cut and serve. Gravy is optional.