Preheat oven to 400°F. Shred all three types of cheeses, and combine in a bowl.
In a saucepan, melt butter and add flour. Cook until browned, and then whisk in Half and Half and salt and pepper to taste. Cook until slightly thickened. Add half of the cheese and remove from heat.
Add remaining cheese and smoked ham. Once the cheese and ham are incorporated, mix in the macaroni. After pasta is incorporated, pour into a 2-quart greased baking dish. Top with buttered breadcrumbs. Bake until golden brown and bubbly.