Heart Rate Zones

Does anyone know of a good way to determine your personal heart rate zones with some sort of test? My heart rate monitor registers that I have averages of 180-190 BPM while exercising, and my max heart rates are at about 204-205. I had this confirmed by a cardiologist, who said it was fine, but it's making use of some of my heart rate monitor's functions useless. I have a Garmin Forerunner 620, and the recovery recommendation is always three days because it goes based off typical heart rate zones. It could also affect the calorie estimates it gives.

Thanks!

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