Three methods are used for a numerical solution, the Monte Carlo method, diffusion approximation equation model, and beam broaden model based on Beer–Lambert’s law equation. The comparison between the first two methods is reported theoretically, and the latter is a better choice in the high-density tissue. However, the comparison between the third method and the first or the second method is rarely reported. Two classical theoretical models describing the interaction between the laser and the bio-tissue are analyzed and compared to determine which is more suitable for analyzing the interaction, the beam broaden model or diffusion approximation equation model. Intensity distribution is simulated and compared for the two models. Temperature distribution and thermal damage are investigated theoretically and experimentally for both models. The differences and the reasons are analyzed. The diffusion approximation equation model is more suitable for analyzing the mechanism between the laser and the bio-tissue based on the degree of fitting between the simulated and experimental data. Theoretical analyses for the two models are carried out in detail. The comparison between the two models is rarely reported, and it is reported in this article for the first time, theoretically and experimentally. This report provides a better choice for quickly analyzing the interaction mechanism between the laser and the bio-tissue.