In formal usage in American English, "and" is reserved to introduce fractional values, and using it anywhere else in the number is discouraged. So, the short answer to your question in American English is that not only do you not have to put any of those "ands" in there, but people who are finicky about how numbers should be spoken will love you for leaving it out.
However, if you want to know more about where it can and can't be used in common speech, read on. People often use it before whichever spoken number sounds like it is the last in the list. For example, these are all common:
one hundred and one
one thousand and ten
four thousand and twenty-two
one-hundred-and-twelve thousand
However, it's unusual to use it before the hundreds place. This sounds a little weird:
three thousand and seven hundred
It's also unusual to use it between the million and thousands places or the billions and millions places. These all sound weird, too:
one million and nine hundred thousand
one million and fifty thousand
one million and twelvetwo thousand
one billion and six million
But using "and" is okay between these large numbers and the tens or ones places:
three million and twelve
one billion and six