In a large bowl, combine the turkey, bell pepper, onion, garlic, chili powder, garlic powder, cumin, cayenne, worcestershire, pepper, salt and oats until well blended. Form the mixture into five equal sized burger patties. Chill for 30 minutes to allow the patties to firm up...they will be come a little mushy and soft from handling.
Cook the burgers on a gas grill over medium heat for approximately 4-5 minutes and then flip. Cook for an additional 4 minutes or until done. Turn the grill over and top the burgers with cheese. Close the grill and allow the cheese to melt for a couple minutes.