A lot of midwives don't do internal exams. Unless you are having a problem at this point it isn't medically necessary. Even if you are dialating.. if you aren't in labor it won't make a difference.
Being that you're so close, you really need to be checked. If your midwife isn't going to, you ought to see if the hospital will.
I agree that you should be checked weekly at this point. I'm 39 wks and 5 days pregnant and my doc has an excellent bedside manner. She asks me every week if I want to be examined. I can't imagine saying no. There is no other way of knowing if you are dilated. I would ask a lot of questions and request an exam, especially that you are so far along. Good luck!!
You could be due or even dialated by now. Ur supose to be getting checked weekly I would say something. Id be super stressed out lol if no one has done anything yet