The points are flush to the stock track. the frogs are insulated because it’s DCC friendly, if atlas’ track ever reaches the US I’ll buy that instead. Nothing personal against ME but there’s a reason why I stick to products I know. I’ll work on it some more tomorrow.
I have some of the ME turnouts also. When you supply feeder wires to your stub track spur, the diverging route of the turnout beyond the frog will work. Your loco will move normally.
It is recommended that you place feeders on all stubs or double ended sidings anyway, so the way the ME turnout functions now is not really an issue. I usually do this by wiring the diverging route of the turnout. Basically, I put three pairs of feeder wires on each turnout.