Just because a kernel is modular does not mean it is not monolithic. Linux is a modular kernel, but it is also a monolithic kernel. You can load a driver for your TV tuner, but it is loaded in to kernel space - ergo, monolithic.
NT is a modular kernel, but it is not a monolithic kernel (its a hybrid, like OS X).
It gets blurred a bit in Linux, where things like the sound system are partially user-mode daemons if you use a sound daemon like esd or pulseaudio. However, the sound daemon will use kernel mode drivers (ALSA) to communicate with the sound hardware; a true microkernel would provide a mechanism for communicating with (almost) any device, with the device specific bits happening in user mode and not kernel mode.
To go back to the TV tuner example, Linux provides a whole raft of TV tuner drivers. They all run in kernel space. BSD doesn't provide any TV tuner drivers, but provides a kernel mode character driver that can be used to communicate with USB devices. The Linux drivers are then run entirely in user space, communicating using this simple kernel driver. Performance + inability for a TV card to oops your system.