It will depend upon your DBMS. I believe that most systems will not take advantage of the full-text index unless you use the full-text functions. (e.g. MATCH/AGAINST in mySQL or FREETEXT/CONTAINS in MS SQL)
Here is two good articles on when, why, and how to use full-text indexing in SQL Server:
- How To Use SQL Server Full-Text Searching
- Solving Complex SQL Problems with Full-Text Indexing