The photoreceptors of the living human eye are known to exhibit waveguide-characteristic features. This is evidenced by the Stiles-Crawford effect observed for light incident near the pupil rim, and by the directional component of light reflected off the retina in the related optical Stiles-Crawford effect. We describe a model for the coupling of light to/from photoreceptors on the basis of waveguide theory that includes diffraction between the eye pupil and the photoreceptor apertures, and we show that valuable insight can be gained from a Gaussian approximation to the mode field. We apply this knowledge to a detailed study of the relationship between the Stiles-Crawford effect and its optical counterpart.