In 1995, Hadley formulated an elegant effective-index model to describe the formation of transverse modes in optical cavities [1]. We apply this model to Fabry-Perot cavities and discuss its limitations, using the well-known paraxial solutions of these cavities as reference. We also introduce a new model, which we call the phase-plate model, that has less limitations and yields the correct first-order correction to the resonance frequencies for longer cavities. The analysis uses scalar optical fields in the paraxial limit.